Now that the holiday season is upon us, it isn't surprising if you have several big-ticket purchases on the horizon. While it is always a good idea to pay all your purchases in full at the end of the month, sometimes we just want to be able to split up those payments into more manageable chunks.

If this is something you are interested in doing, make sure to use a low-interest or 0% interest credit card when making these expensive purchases! Also, read on ahead to gather more tips and tricks to pulling this off.

For those who don't already know, low-interest or 0% interest credit cards are a godsend, although using them to your advantage absolutely does not mean you are off the hook when it comes to paying for the purchases made.

Many of such credit cards actually let you enjoy low or 0% interest on your purchases for a certain number of months or billing cycles after account opening. A low-interest or 0% interest credit card essentially lets you avoid paying interest on your balance until the end of the introductory APR period.

To use such a card to your advantage, make it a point to pay at least the minimum sum at the end of each billing cycle before the due date. If possible, pay up as much as you can every month.

The key to using a low-interest or 0% interest credit card while avoiding credit card debt is to make sure you pay up the balances in full before the end of the introductory APR period your card has to offer. This is very crucial! By paying off your balances in full before the introductory APR period comes to an end, you are basically enjoying an interest-free or low-interest loan through your credit card.

Keep in mind your credit score plays an important role when it comes to whether or not your card issuer will extend an introductory 0% interest or low-interest credit card to you. Those who have excellent credit will typically find themselves at an advantage when seeking to apply for credit cards.

Denise Bay is a staff writer at Email: