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Data from comparison site Mozo shows in Australia the average interest-free period is about 10 months but some deals extend to as long as 24 months. The site’s spokeswoman Kirsty Lamont said competition in the Australian credit card.

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Schoolboy, 12, uses father’s credit card to spend £7,000 on online gambling sites in a WEEK. Declan Hind was playing on gambling websites using virtual money

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The rot spread to Asian stock markets the next day, with Japan’s Topix index.

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By depositing money into index funds, “you earn interest on the money you deposit, and on the interest you have already earned,” according to the Australian.

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"I usually pay it off in full but there’s no way it’s going. Four out of five credit card holders plan to pay off their Christmas-induced debt in three months or less, according to a survey of 1450 Australians by comparison site Finder in December.

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