Find out how an interest-free credit card can help you spread the cost of large purchases and the best 0%-on purchases credit card deals right now.

4. Don’t withdraw cash on your card

You should never withdraw cash using your 0% purchase credit card.

If you do you will be charged interest from the day you take the money out and usually at a much higher rate.

That’s because your 0% deal is only for new purchases you make with the card online, in shops, restaurants – not for taking cash out of an ATM or for any other cash advance such as buying travel money.

Some providers also report when you make a cash withdrawal on your credit record, as it suggests you may be in financial difficulty.