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[Viral_Jim]

I realise the good Dr will disagree with me, but I've found credit cards to be a very effective tool and I consider my stupidity to be some of the finest available! Between consumer protection not afforded by debit cards and potentially generous bonuses they've served me well over the years. Using them as a form of borrowing however - not the best idea!

The chase card seems like not bad value in the current climate, as does the savings account.   

[STEMO]

Like any tool, Jimmy, there are those that can use them and those that can't. The S75 protection of a credit card can be valuable for peace of mind when making a purchase between £100 and £30,000, and a deposit of £1 can get you that protection.
Second hand car dealers don't like you paying a deposit with a credit card, I wonder why? 

[Rangie]

Brilliant things credit cards , just a shame some folk have no financial acumen, why use your money when you can use theirs interest free.

[LC0112G]

Brilliant things credit cards , just a shame some folk have no financial acumen, why use your money when you can use theirs interest free.

It's precisely because some folk have no financial acumen that you (and I) can use their money rather than use our own.