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If you have run up a credit card debt that you are unable to manage you may need to consider consolidating it. If there are no more 0% offers available then your best option could be a loan or even a re-mortgage depending on the size of the debt. Where possible avoid spending on cards if you cannot afford to make the repayments later. If you calculate your expenditure wisely you can make credit cards work for you but if you are not sensible and don't plan carefully then credit cards can quickly turn into a nightmare.

The best way to use a credit card or store card is to be realistic and don’t over commit; Be careful and remember it is debt, not real money that you are spending when you use them.

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