One of the best options for those who are weary of getting a credit card is an introductory card. Many introductory credit cards have low interest and low annuals fees which mean you can test drive a credit card without worrying about crashing into debt.

When searching for a credit card, you need to be aware of the following:

• Interest rate- the lower the better.
• Balance transfers- if you want to consolidate your debt. 0% interest on balance transfers is essential.
• Annual fee- your annual fee is usually directly related to the rewards and options of your credit card.
• Interest free days- these are the days you have to pay your latest purchases before incurring interest. Or most of us, the more interest free days, the better.