Are you overdrawn in you bank account?
With this card, you get 0% on purchases, which means, you wont be charged interest on purchases for 9 months.
simply stop spending from you bank account, and use this card, when the bill comes thru, only pay the minimum payment, no interest will be charged.
Also, do NOT withdraw money from cash machine using this card, you will get charged! Instead, ask for casback at the till when making payments, e.g. at Asda.
Your salary will slowly bring back the bank account from the Red, and when your ready, you can start to make larger payments to your credit card to clear it off, without going back into the red at the bank or being charged interest, or overdraft fee's again!
Dont forget the Quidco - you will get £20, so even if you decide not to use the card to its full potential (0% purchases & balance transfers), you will still get £20!!
Oh, & the interest rate on the card is only typical rate of 15.9% APR (variable) - which is still minute compared to other brands such as Barclaycard, etc which can be over 29.9%