Order the summer edition here

Are you dreading Christmas shopping? This is how you can use your credit card in a profitable way this Christmas


If you want to make the Christmas shopping as cheap as possible, it can be profitable to use a credit card as a payment solution.

If you want to make the Christmas shopping as cheap as possible, it can be profitable to use a credit card as a payment solution. Since credit cards come with various benefit programs, you can, for example, get discounts on several items, or money back when you shop.

Remember that you must pay the credit card bill before it is due if you are going to use a credit card for a cheaper Christmas.

Christmas shopping on credit is increasing

Statistics from banks and credit companies show that more and more people use credit cards when Christmas comes. In addition, the statistics show that there are more men than women who resort to the credit card.

In order for it to be profitable to use the card, it is important not to delay the repayment.

This is how you can use your credit card smartly

It is important to limit the costs before deciding to use the credit card for Christmas shopping. With smart credit card usage, it means you avoid interest but at the same time get discounts on various things along with other benefits.

You can achieve this in several ways. Among other things, you must avoid withdrawing cash with the card, because the interest accrues as soon as the transaction is made. This applies to all types of withdrawals.

If you have up to 50 days of interest exemption when you buy goods or services with the credit card, you should try to make the most of this. Remember to pay all outstanding credit by the deadline on your next bill. 

You will be given the option to pay a minimum amount when you pay the invoice, you should steer clear of this if you want to avoid interest.

If you do not have the chance to pay the entire outstanding credit amount, you should pay down as much as you can otherwise. In this way, you reduce the interest costs.

Do your best to use the card for things you can afford to pay back before the credit card bill is due. If you do that, you can save a lot of money on your Christmas shopping.

Money back when credit cards are used

By use a credit card as a financing solution, there are two simple ways to save some money, namely cashback (money back) and fixed discounts. Another reason why you should use a credit card is that you often get free insurance.

Are you doing your Christmas shopping online this year?

Today, credit cards are the most secure means of payment, especially if you are going to shop online. Despite this, you should consider some factors when shopping digitally. 

You should, among other things, use stores that are well-known and that you know many people shop at. There are many fake online stores out there, which you can read more about at The Norwegian Consumer Authority.

Avoid ordering an item as soon as you see that the store operates with very low prices, if you allegedly get absurdly good prices, you should be very critical.

If you are defrauded online, the chances are good that you will get your money back as long as you paid by credit card. at the Consumer Council websites you can read more about how you can go about making a complaint if you have been defrauded online.


Siste artikler

Actual and imagined boundaries

FILM FROM THE SOUTH: Jafar Panahi's "No Bears" is a strong film in itself, but gains even greater impact in light of the situation the now imprisoned Iranian filmmaker is in.

Books that become waves

Essay: What happens when we listen to a book while we are also doing something completely different?

Crystals, algae and ocean currents

Energy: MODERN TIMES's commentator Ole Seifert will in future regularly cover ecological technology and innovations. Various innovations in energy and power are presented here: ocean current turbines, solar power with ferroelectric crystals, hemp batteries and mechanical storage of excess power – which replaces batteries.

When conservatism becomes radicalized

In Radikalisierter Konservatismus ("radicalized conservatism") by the Austrian political scientist and journalist Natascha Strobl, we get a well-written analysis of how conservatism can become radicalized....

The land of broken hearts

Germany: With the social democrat Olaf Scholz in the driver's seat, according to Brekke's new book, it may seem as if the "Merkelian" leadership style has taken hold. She also believes that Germany's interest in Norway is especially great right now.

Mutual solidarity

Reciprocity: Competition and cooperation are like nature's yin and yang, claim two French biologists. Today, recent biological and psychological research on reciprocity is based on both biochemistry, game theory, empirical examination of symbiotic relationships and the new sociobiology's theories of group selection.

An eco-bible for our time

Planets: The three main problems of our time are the mass extinction of species, pollution and climate disturbances. If it weren't for the fact that the author has an overview of what can be done, and what is actually being done, this would be unbearable reading.

The topsoil and the soil

With a renewed will to go deeper, Monbiot digs in this new book down to the roots, the very foundation of our modern...

I was completely out of the world

Essay: The author Hanne Ramsdal tells here what it means to be put out of action – and come back again. A concussion leads, among other things, to the brain not being able to dampen impressions and emotions.

Silently disciplining research

PRIORITIES: Many who question the legitimacy of the US wars seem to be pressured by research and media institutions. An example here is the Institute for Peace Research (PRIO), which has had researchers who have historically been critical of any war of aggression – who have hardly belonged to the close friends of nuclear weapons.

Is Spain a terrorist state?

SPAIN: The country receives sharp international criticism for the police and the Civil Guard's extensive use of torture, which is never prosecuted. Regime rebels are imprisoned for trifles. European accusations and objections are ignored.

Is there any reason to rejoice over the coronary vaccine?

COVID-19: There is no real skepticism from the public sector about the coronary vaccine – vaccination is recommended, and the people are positive about the vaccine. But is the embrace of the vaccine based on an informed decision or a blind hope for a normal everyday life?

The military commanders wanted to annihilate the Soviet Union and China, but Kennedy stood in the way

Military: We focus on American Strategic Military Thinking (SAC) from 1950 to the present. Will the economic war be supplemented by a biological war?


Bjørnboe: In this essay, Jens Bjørneboe's eldest daughter reflects on a lesser – known psychological side of her father.

Arrested and put on smooth cell for Y block

Y-Block: Five protesters were led away yesterday, including Ellen de Vibe, former director of the Oslo Planning and Building Agency. At the same time, the Y interior ended up in containers.

A forgiven, refined and anointed basket boy

Pliers: The financial industry takes control of the Norwegian public.

Michael Moore's new film: Critical to alternative energy

EnvironmentFor many, green energy solutions are just a new way to make money, says director Jeff Gibbs.

The pandemic will create a new world order

Mike Davis: According to activist and historian Mike Davis, wild reservoirs, like bats, contain up to 400 types of coronavirus that are just waiting to spread to other animals and humans.

The shaman and the Norwegian engineer

cohesion: The expectation of a paradise free of modern progress became the opposite, but most of all, Newtopia is about two very different men who support and help each other when life is at its most brutal.

Skinless exposure

Anorexia: shameless uses Lene Marie Fossen's own tortured body as a canvas for grief, pain and longing in her series of self portraits – relevant both in the documentary self Portrait and in the exhibition Gatekeeper.