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If dipping your toe into the credit card pool is about funding a specific purchase, you need a card offering the longest 0% interest period on new purchases, giving you the longest time to pay off those expensive one-offs.

is the best deal on new purchases currently on the market.

consider them the devil’s best weapon in driving you into insurmountable debt (indeed around 18m people received a default notice on their credit card bill last year), used properly, they could help manage your finances better thanks to interest free periods and balance transfer offers that operate like an interest free loan as long as you play by the rules.

Meanwhile, buying something with a credit card can afford you more protection than buying using a debit card or cash.

(See Consumer credit report)Infographic: Cards, not student loans, is most-common debt for millennials -- When you think of millennials and debt, student loans come to mind.

But a new survey says card debt is actually more common. (See Card debt and millennials)Banks tighten credit card loan standards, Fed says -- Federal Reserve survey of senior loan officers finds declining appetite for risk meant higher barriers for credit card applicants in the third quarter. (See Tightening credit card loan standards)Former boss let me use his card, now he cries fraud -- If you used a card given by a former boss who is now threatening legal action against you, seek legal advice. (See Former boss cries card fraud)Average card APR remains at 16.15 percent for seventh week: Credit Weekly Credit Card Rate Report -- Nov.

Which sounds generous until you get hit by the 22.9% variable interest rate on anything you do buy.

Pay it off regularly and fully to ensure the cashback you receive isn't eclipsed by the charges.

Weigh sign-up bonus, annual fee, rewards complexity ...

(See New to rewards credit cards)New Uber rewards card is the latest to target millennials -- The new Uber rewards credit card courts millennials with 4 percent cash back for dining and 2 percent for online services.

who are really on top of their credit card repayments (and won’t get hit by astronomical interest rates) and are prepared to stomach the significant annual fees involved, you’d be hard-pushed to beat the But what if you’ve already run up the debts and despite your best efforts to drive down your borrowing, have come to the end of your 0% interest deal before you've paid it off?

Then it’s all about transferring the balance for as low a fee as possible, usually with the longest window of opportunity to pay it off.

Expect more cards to tailor rewards to consumers ages 20-35. (See Cards court millennials)2017 holiday card perks and rewards -- Card issuer holiday rewards and perks include bonus rewards on shopping portals, discounts on gift cards, access to exclusive events, extra cash back at popular retailers. (See Card issuer holiday rewards and perks)Should you use your card issuer's travel portal?

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