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The only more expensive form of finance is a moneylender.
You get up to six weeks credit and it costs you nothing except the €30 Government stamp duty.
The danger comes when you repay less than is owed, or worse still, only make the 'minimum payment' so helpfully offered by the bank, which is always a comfortingly low figure.
So I clicked on the email and was shocked to see that someone had spent $470 on coffee in my name.
To see how that was possible, I went directly to my bank account. There, in $30 and $60 increments (and denoted with the phrase “STARBUCKS CARD RELOAD 800-782-7”), was the answer.
She likes the Citi Simplicity card, which offers 0% APR for 21 months, and Chase Slate, which waives its 3% balance transfer fee when you make the transfer within 60 days of opening your account.
That said, they're an invaluable tool for many and, if you use them wisely, paying off your bill by direct debit when it comes due, they're completely free.
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