Those counting the cost of an expensive Christmas might well be wanting to eliminate their credit card debt early in the new year, with a 0% interest offer top of their wish list.
Fortunately, Sainsburys have brought out such a product that offers 0% on purchases for the first twelve months and they've also thrown in bonus Nectar points to sweeten the deal further.
Despite this enticing proposition the new year is a popular time for many providers to come out with their best offers, so it's probably worth shopping around to find a deal.