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[henryd]

Unfortunately most, even if they genuinely intend to, don't. And therein lies the crux of their peril...

And points do not outweigh the interest if you don't pay it off religiously. They merely become another justification.

Yes, agreed, it takes discipline. If you start to not pay off the full amount, you'll get in trouble quite quickly.

*IF* you are able to ensure always paid off, its a useful tool.  But I never buy anything on the CC unless I have the money in my current account to cover it.

It does mount up and it is easy to put more on plastic than you can remember.

Last month I had  CC bills of more than £8000 spread over 4 or 5 cards. Most of it was petrol for the bid red pussy.

8 thousand? 

Its surprising how the Waitrose bill mounts up you know

[Field Marshal Dr. Opti]

Unfortunately most, even if they genuinely intend to, don't. And therein lies the crux of their peril...

And points do not outweigh the interest if you don't pay it off religiously. They merely become another justification.

Yes, agreed, it takes discipline. If you start to not pay off the full amount, you'll get in trouble quite quickly.

*IF* you are able to ensure always paid off, its a useful tool.  But I never buy anything on the CC unless I have the money in my current account to cover it.

It does mount up and it is easy to put more on plastic than you can remember.

Last month I had  CC bills of more than £8000 spread over 4 or 5 cards. Most of it was petrol for the bid red pussy.

8 thousand? 

Its surprising how the Waitrose bill mounts up you know :

Lidl  and Aldi is closer to the truth.

[T.m.f]

Got car yesterday,and were very impressed with it,gearbox is smooth and responsive and acceleration is pretty good,we did buy it on finance,mainly if anything seriously went wrong we can let finance company sort it out. Also its well with in our budget each month.

[TheBoy]

Unfortunately most, even if they genuinely intend to, don't. And therein lies the crux of their peril...

And points do not outweigh the interest if you don't pay it off religiously. They merely become another justification.

Yes, agreed, it takes discipline. If you start to not pay off the full amount, you'll get in trouble quite quickly.

*IF* you are able to ensure always paid off, its a useful tool.  But I never buy anything on the CC unless I have the money in my current account to cover it.

It does mount up and it is easy to put more on plastic than you can remember.

Last month I had  CC bills of more than £8000 spread over 4 or 5 cards. Most of it was petrol for the bid red pussy.

8 thousand? 

A mere drop in the ocean for the Lincolnshire Lord