People purchasing goods over the internet and eagerly awaiting the arrival of their next parcel from their courier, may want to stop and think about the state of their credit rating.

Shopping through e-tail is much more straightforward nowadays, but those who indulge on a regular basis may want to think about clearing outstanding balances, according to one expert.

Andrew Hagger, a spokesperson for Moneynet.co.uk has said that paying off debt from your credit and debit cards is a worthwhile practise.

He added this is particularly the case for those who want to benefit from reward schemes linked with their cards.

He said that "If you go for a rewards card and you don't clear your balance every month - you are paying interest", which will wipe out any benefits received.