Moneyextra.com has offered some advice to credit card users planning on using plastic for the expense of Christmas this year, informing them that there are still cheap and zero interest deals available, but they are disappearing fast. The website states that using the wrong card to finance Christmas spending could leave customers with a financial hangover in 2007.

Firstly, customers hoping to save on the festive credit card bills are advised to switch existing debts to zero per cent balance transfer deals, but not if they are considering using the card for purchases. For those people planning to spend on their cards, a zero per cent on purchases deal would be more beneficial.

A good low interest deal is advised for those people who don’t intend to pay their balance in full every month, while those who plan to pay off their entire bill will be better off with a cashback deal.

Robin Amlot, senior editor of Moneyextra.com, said: “Your credit card is not just for Christmas, but with an average spend jumping 22 per cent to around £378 on presents, it usually gets little rest in the run up to December 25th. “If you have not checked out the best deals yet, you only have a few weeks to do it.”