Credit cards offer a convenient alternative to carrying cash or using cheques. If used sensibly they can be a great friend. But there are many traps and, unless you use your card wisely and with discipline, it will quickly become your foe. This article provides tips on how to choose the best card for you and how to use your card wisely. As the saying goes, ‘the devil is in the detail’ so, with credit cards, it pays to understand the fine print.