Summer may only just be over but from today there are just 100 day left until Christmas and according to research from American Express, 32% of consumers have already started their Christmas shopping.
Christmas can be an expensive time of year, so it may make sense to spread the cost over several months by starting the festive shop early. This year will be particularly difficult for many consumers and, according to American Express, 28% of consumers are planning to spend less on Christmas this year compared to the previous year.
Ideally, those who like to splash out during the festive season should have a Christmas savings fund to help them with the cost. But, for those who have had to use their savings to help with essential costs during the year or who haven’t managed to save as much as they like, a 0% purchase credit card can be a helpful way of spreading the cost of Christmas.
It should always be remembered that money spent on credit cards is borrowed money and, as such, those using credit cards should keep their spending within affordability limits and ensure they have a plan in place and the means to pay off the credit card as quickly as possible. 0% purchase credit cards can be a useful option in the run up to Christmas, as they do not charge interest on purchases made on the card during a pre-set time period.
Below we’ve highlighted some of the best deals within the 0% purchase credit card charts.