Credit card christmas wish list, for those who pile on the pounds and for those who don't

If you are planning to put your Christmas on plastic, now is the time to start planning. Cheap and zero interest deals are disappearing fast. Piling on the pounds on the wrong card could leave you with a hangover well into 2007, says Moneyextra.com....

Moneyextra's top tips for saving Christmas credit card bills:

* Switch existing card debts to 0% balance transfer deals - but hurry!
* Seek out 0% interest on spending deals if you are going to splash out
* Get a good low interest card if you don't pay off every month
* OR a cashback deal if you clear your bill in full
* Showing off with shopping in Paris, New York or Rome? Get a fee-free flexible friend to go with you

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