The Rate Tart

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If you're addicted to the latest technology and have an existing credit card balance to transfer TheRateTart recommends you look into the Sony Credit Card.

As well as offering a competitive 0% on balance transfers for 12 months plus 0% on purchases for 3 months, the Sony Card lets you collect Pulsebeat points with your purchases. And when you buy Sony products with your Sony Credit Card, you get triple the Pulsebeats!

Earn enough Pulsebeat points and you can get great freebies including CDs, DVDs or PlayStation Games.

If you are one of those impatient types who demands instant gratification, there's good news for you too. When you successfully apply for a Sony Credit Card you'll receive 3000 Free Pulsebeats - enough to claim two free DVDs.

But remember - MBNA (the credit card provided behind all this) aren't offering these credit card freebies because they like you. They hope that after the 3 months 0% purchase period ends you won't pay off your balance in full each month. This means you start to pay interest at 15.9% APR and they start to make money.

So be smart. Follow these simple rules and you'll get freebies and MBNA get nothing;

• Use the Sony Credit Card for all your regular purchases.
• Make sure you only spend what you can pay off each month.
• You earn Pulsebeat points and get freebies.
• They get none of your hard earned money in interest payments.