Depending how you interpret the word “design,” you can pick a “best” in many ways. If you’re looking for a credit card that looks nice, then there are credit card issuers like Capital One whose platinum MasterCards can be personalized in many different ways. However, if you get a credit card with the lowest interest rate that does not have a “smart chip” as some European Visa cards do, you can personalize your card in an almost infinite number of ways with credit card skins.

Think of credit card skins like the “skins” that people choose to dress up their iPod. It’s like a wardrobe of tiny clothing that won’t keep your card from working like it’s supposed to (unless you have a “smart chip” Visa). Credit card skins are basically super thin stickers that you apply to the front of your card with a hole over where your name, card number, and expiration date go.

There are websites where you can choose from a dizzying array of credit card skins with every kind of graphic or message you can imagine, from gay pride to preppy Argyle designs. Creditcovers.com has hundreds of designs to choose from and an opportunity to make your own design and make royalties from it if it sells.

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There’s nothing unique about Irish credit card debt compared to credit card debt elsewhere in the world. It is true that Ireland has suffered more than other countries in the worldwide recession, but even with a new economic reality, getting rid of Irish credit card debt is similar to getting rid of any other debt: it is a matter of commitment and hard work.

Most people, particularly if they travel, cannot do without a credit card. They can, however, do without eight or nine credit cards. Most money experts suggest having two credit cards, both of which provide a backstop in times of trouble. For those with multiple credit cards, there are several options for paying off your debt.

One option is transferring debt onto a new credit card with a low introductory interest rate and putting all your effort into paying that debt off before the “teaser” interest rate expires. It sounds like a great idea in principle, but if you can’t pay off €4,000 indefinitely with 14.9% interest, it isn’t that much more likely you’ll be able to pay it off in the 10 months or so that you have the low rate on the new card.

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