Many people have a credit card in their purse or wallet - they're convenient, flexible and can come in an absolute godsend in the event of an emergency. However, it's important to select the credit card carefully and use it correctly – then it can open a door to a wide range of useful benefits and always be in perfect harmony with your spending style.

The key to choosing the right credit card is to take on board what you're actually going to be using it for – it's essential that it's the 'right' credit card for you - completely suited to your spending and repayment habits. That way you'll never struggle to pay off what you owe.

So how to find the 'right' credit card? Well, comparing all the credit cards is obviously important – that way you can see which credit card issuer is offering the best deal and interest rates. You will also be able to see which credit card will fit your spending and repayment habits. Below you will see a list of the top card issuers - all offering competitive rates - you're sure to find the right credit card that will match your exact requirements.

Also, when you're comparing credit cards, you'll notice that many of the credit card issuers offer the cardholder an abundance of benefits, including, domestic warranty cover ( a very beneficial cover to have - this protects your electrical purchases for up to a year after the manufacturer’s warranty expires). Many credit card issuers also offer a price promise cover, this will give any shopper complete peace of mind - the cover basically ensures that you'll be refunded should you buy an item and then spot it cheaper elsewhere – and that even includes the January sales! You'll also see that many of the credit card issuers offer a free purchase protection insurance – this will cover all your purchases against loss, theft or accidental damage – the length of this cover usually depends on the credit card issuer.

So begin your hunt for your ideal credit card today, we're confident that you'll find the credit card that will bring you many benefits, whilst fitting your spending style like a glove.