as you need to keep debts un­der con­trol

The Scotsman - - Farming -

in­cludes a range of ben­e­fits such as dis­counts and an­nual travel in­surance, then you will prob­a­bly have to pay a mem­ber­ship fee. Make sure you re­ally will use the ben­e­fits be­fore com­mit­ting to the fee.

If you travel over­seas, make sure your credit card can be used abroad and if so, make sure it doesn’t charge a fee as well as the cost of cur­rency ex­change if you make a pur­chase abroad. The Post Of­fice, San­tander and Bank of Scot­land all of­fer cards that don’t have an ad­di­tional load­ing for over­seas us­age. if this is a fa­cil­ity you like to use oc­ca­sion­ally, then it is an­other fea­ture to check out when choos­ing your card. In­ter­est is gen­er­ally in the range of 20 to 30 per cent.

These are con­ve­nient to use like a credit card but only al­low you to spend what you have. They work with a pin sys­tem and al­low you to pre-load money onto your card at the Post Of­fice, Payzone, or PayPoint ter­mi­nals, or via a bank trans­fer or even text. Once you’ve loaded up your card you can only spend the bal­ance, so you can’t get car­ried away. Pre­paid cards also help you avoid the has­sle of a credit check. But many charge fees. So see if there is a monthly ser­vice fee and find out what it costs to buy the card, top it up, make a pur­chase and with­draw cash.

There’s card to suit ev­ery­one: Make sure yours fits your needs

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