Britons could save up to £4,451 by switching to a better credit card deal this Christmas

Can't bear facing the Christmas spending hangover and wondering how to pay off the cost of festive indulgence?

Britons could save up to £4451 each on their credit card through a simple financial makeover this Christmas.

Here are some top tips from independent switching and comparison service to kick-start 2007 with the perfect New Year's resolution.

Christmas is always an expensive time of year so it's no big surprise that £11.5 billion2 was spent on credit cards alone in December 2005.

That's an average spend of £3,763 for every credit card holder in the UK in just one month.

With such an excessive amount of money being spent, it's really important that each of the 30.6 million4 credit card holders in the UK benefit from the best deals available. Simple financial planning can enable shoppers to minimise the impact of a financial hangover in January and help to avoid paying unnecessarily high interest charges if their credit card balance is not paid off in full straight after Christmas.

There is no such thing as a 'one size fits all' credit card.

Every offer is designed for specific spending patterns and, in some cases, this could mean that more than one credit card is required.

Credit card deals range from offers for 0% on balance transfers, 0% on new purchases, offers for the life ofa balance transfers and loyalty reward cards..

By switching credit cards from the average industry APR of 16.11% to a 0% balance transfer deal, cardholders could save up to £4,451 in a year.