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However, this strategy only works if you're on relatively good terms with your credit card company. For example, say you have a balance of £1,000 a month on a card with a 6.9 per cent interest rate and a £50 annual fee.

Unless you're already paying the lowest rate available, think about transferring your balance to a lower-rate card. That's the equivalent of a no-fee card with a 12 per cent interest rate.

Your credit card company may be willing to lower your interest rate. Cards with annual fees often have lower interest rates, but do some sums to make sure they're worth it.Store cards tend to have the highest interest rates.If you don't pay off the full amount owing each month, you need to know exactly what interest rate you're paying.When joining, you are asked to choose your relationship status; either “attached male seeking female” or “attached female seeking male”.The site repeatedly stresses that it is 100 percent discreet. It has a system like that of Ok Cupid (albeit more advanced) where a user is given questionnaires to determine their compatibility to another user.

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