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This is the advice of the Finance & Leasing Association, which suggested consumers should shop around for credit in much the same way they may do for presents to ensure they are getting the best deal available.

The advice follows the release of new research from the association, which found average consumer spending on credit cards increased by 11% last December in comparison to the other 11 months of the year.

Consumers are also advised by the association to work out a budget for Christmas shopping ahead of time and to stick to it, working out how many presents they need to buy and what they can afford to spend.

Credit card provider Egg has recently suggested its Money World MasterCard could be one way in which some consumers could save money this Christmas.

The credit card offers rewards such as discounts at high street and internet retailers.

The typical variable rate on the Egg Money World MasterCard is 17.8% APR, with a balance transfer rate of 8.9% per annum fixed for the life of any balance transfer made before February 1st 2010.

Posted by Alex Adams

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Credit Cards	0% Balance Transfers	0% Purchases	APR Representative (Variable)
	Tesco ClubCard Credit Card
	9 months	15 months	16.9%
** 16.9% APR representative (variable). Based on a credit limit of 1200 and purchase rate 16.9% p.a(variable). **
	Virgin Credit Card
	20 months	3 months	16.8%
** 16.8% APR representative (variable). Based on a credit limit of 1200 and purchase rate 16.8% p.a(variable). **
	Barclaycard Platinum with BT
	22 months	3 months	17.5%
** 17.5% APR representative (variable). Based on a credit limit of 1200 and purchase rate 17.5% p.a(variable). **
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