Don't focus on the extra goodies your credit card gives you, focus on the amount of interest you're paying.
That's the message from the Co-operative Bank, as they unveil what they're calling New Zealand's lowest rate credit card.
And with a permanent interest rate of just under 13 percent, you'll pay significantly less to borrow money than you will at other banks.
Chief executive Bruce McLachlan joined Paul Henry with the details.
Watch the video.