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Middleton Guardian - - LEISURE -

JUST spend on my spe­cial­ist over­seas credit card which gives top rates as I spend. While most plas­tic adds a 3% ‘non­ster­ling ex­change fee’ abroad, so £100 of eu­ros costs you £103 (and of­ten other fees too).

With these cards you get the same near-per­fect rates banks get.

So just ap­ply now, use it to spend on every time you’re abroad, and just en­sure you re­pay IN FULL each month – so there’s no in­ter­est. There are around 10 of these cards, and as they’re credit cards you’ll need to pass a credit score to get one. You

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