Bigger bills for energy, council tax, water, broadband, mobiles mean that for many of us our money runs out earlier each month and we have to use credit cards to buy essentials.

Credit card interest rates average a frightening 24.65%. And the debt can soon get out of control if you don't pay off credit card in full each month.

£71.5 billion is currently owed to UK credit card companies and it can literally take decades to pay back if you make minimum payments on credit cards.

It is time to break the debt cycle.

Interest-free credit cards are readily available to people who have a track record of paying credit cards and other bills on time. It is worth using an eligibility checker to find out if you can borrow and pay no interest.

Employers can also provide interest-free loans or salary advances.

Cutting interest can save hundreds of pounds a month, but interest-free deals can be dangerous if you don't adhere to the strict rules.

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