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Originally Posted by Ramrod
Very good post. We buy everything on cc and pay it of when the bill arrives. We get free insurance (as you said) and 'nectar' points  |
Just a point, however, "nectar" points and other such schemes are, frankly, virtually worthless.
If you look at just how much you actually have to spend to get anything worthwhile you'll realise that the return is a fraction of one percent, which is even worse than the "money back" schemes that pay 0.5% and are only useful if you spend huge amounts on your card.