It's rapidly becoming clear that credit cards are about as good for you as kissing a frog with a weeping cold sore. And considerably less fun.
Based on hitting a limit of €1,500 per month on purchases, plus the €30 stamp duty, the effective rates are much higher than you'd imagine.
Totting up done by www.bonkers.ie
Best: Bank of Ireland Clear 13.3 per cent
Avoid: AIB Be credit card 22.7 per cent