Your credit card was declined. How do you react?

[Richard_Pearse]

@Mrmanface

I find if you need to use credit you should get a direct debit from your bank account so that it is paid off each week to avoid fees, interest and late charges.

The best way is to pay it in full on the due date. That way you attract no interest and you can make the most of the extra cash sitting in an offset mortgage account or an interest earning account.