Quote:
Originally Posted by denphone
We don't use them as we only like to spend money that we have got.
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Us too. Using credit cards as described above makes a lot of sense and offers additional consumer protection for items valued over £100 even if you've only used the card to pay a small deposit. If you don't like the idea of owing money you can have a card with a very low credit limit to avoid serious overspending and then pay money into the account which you then use to spend when you need to. That way you never owe anything because all your spending comes from the money you've paid in and you're monthly statement will always show you in credit.