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According to Asda research one in six parents were not sure how they'd be paying for Christmas last year(1).

Credit cards can provide handy access to credit when needed, though they should always be used responsibly, in order to avoid running into difficulties.

With recent research revealing that the nation’s average monthly credit card spending reached £7.1 billion in 2012(2), Asda Money offers tips on how consumers can use their credit cards responsibly.

Make payments on time

In order to avoid penalties and keep your credit card charges down you should ensure that you make at least the minimum payment due each month. Setting up a Direct Debit to cover either the minimum payment or the full amount can help make sure you never forget to pay. Credit card companies may charge you more interest if you only make the minimum payments.

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