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Provided you stick within the credit limit, and never make ATM withdrawals, it works just like a billed monthly debit card as there is no interest.

Fail to pay off the card each month, though, and the interest charge dwarves the gain. Many people still instinctively shy away from this, and consider their debit cards the good guys. Go overdrawn and debit cards incur debt as well, sometimes with higher APRs.

During that time, you'd pay a huge amount of interest, more than doubling your original debt.

Therefore, you want to transfer your balance to the new card.

Your credit card company may be willing to lower your interest rate. Cards with annual fees often have lower interest rates, but do some sums to make sure they're worth it.

For more ideas on how to lower your credit card debt, visit or

I can hear the righteous indignation now: "We're a nation in the midst of a debt-driven crisis, with a trillion pounds of personal borrowing – and now that Money Saving Expert's telling us that credit cards are our friends".

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