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Hello, I'm Martin Lewis, and this is the cunningly named the Martin Lewis podcast.

I do wonder what that's all going to be about.

Now, usually much of it comes from my BBC Radio 5 live show with Adrian Childs,

but this is a pod-only credit and debit card special.

I'm doing it all on my tod, taking you through a plastic fantastic masterclass

and answering, I hope, a host of your questions.

In this pod, how to slash the cost of your credit card debt?

What are the top cashback credit cards?

Credit score myth busting.

The little known things they look at, such as your debt ratio or your credit utilization.

The top cards for spending abroad.

And the powerful consumer jujitsu you only get on credit and debit cards.

Yes, Section 75 and chargeback, huge consumer self-defense tools.

They mean your purchases are far more protected. And there's lots more too. The best way to find out

is listen to it. So let's play the theme tune.

I got meals. I got to pay. So I'm going to work, work, work every day. So let's get into it. I'm going to start

with some of your questions. Let's do some general ones to begin with.

The first is from Claire, who says, what's the best first credit card for a new graduate please?

And I've deliberately chosen this because it's an open question. And I can't answer it.

Because there is no best credit card. Credit cards like fire are a useful tool when used right

and use them wrong and they burn. So you have to be getting the right credit card for the purpose

...