If you’ve got a big purchase coming up, you’ll want to look for a 0% purchase credit card. Doing so will allow you to spread the cost of the purchase without interest adding to the bill, which can be ideal for those who haven’t been able to save up in advance – and if managed correctly, it needn’t cost them any more. This means you’ll need to make at least the minimum repayments each month and should aim to repay the full amount by the time the interest-free period ends.