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Valentines Day credit could break the bank

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Experts are warning anyone planning to propose on Valentines Day to check finance deals they take out for the ring, whether it be on a credit card or loan.

A new study comparing the cost of borrowing to buy an engagement ring, says if people choose the wrong deal they could be paying for the ring for a lot longer than expected, with the average ring costing £1,412.

A spokesman said the best way of financing an engagement ring is with a credit card and then switching to an interest free balance transfer credit card before the first payment is due.

He said "Ideally you don't want to be paying for the ring for ever more, so it's probably best to try and get it all paid up over the next 12 months".

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