With many hundreds of credit cards being advertised currently the task of choosing a card can be quote daunting. However once you understand a few basic facts about your own situation then the choice narrows and you will find the decision much easier. First of all answer a few basic questions about yourself:

• Do you have a debt on an existing card to transfer over?
• With your existing debt - how long will you take to pay it off?
• How much do you spend on your credit cards every month?
• Do you regularly clear you credit card every month?
• If you don't clear your card each month - do you make more than the minimum repayment?

Armed with the answers to these questions you can narrow down the choice of cards and find a suitable deal. If you don't have an existing balance then no need to look at balance transfer cards; if you always pay off your debt each month, don't worry too much about interest rates; if you are planning a large one-off purchase, then look at the 0% deals on new spending.