Changing credit cards minus the credit stress

If you're one of the thousands of credit carders stuck with a dud deal because it's just too damn difficult to unglue your finances ? it's time to ditch the banks' sticky fingers.

Switching credit cards in 3 easy steps

• Find a better deal. This ain't as hard as it looks. Mozo's Health Check tool compares hundreds of offers in seconds to find the best deal for your personal situation, based on your debt, repayments and more.
• If you have credit debt, make sure your new card has a great balance transfer offer. Most new providers can transfer your debt AND close the account for you. Too easy!
• Before you kill off that old, evil credit card, check over your statements and make a list of all ongoing debits. (Being especially clever about more occasional payments like energy bills.)