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annb1997

Yes, hubby & I use CC for the sole purpose of earning points to then redeem on gift cards for our fave shops. We don't pay interest to the bank. No point handing over to them something they did not earn.

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Monika Kryger

Or avoid the shops entirely and do Click & Collect

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slenderellanz

Research has found people are more likely to overspend when using plastic rather than cash. I suspect this would be only those who actually have the money to overspend. If you have a shopping list and a budget you stick to, how you pay would be immaterial.

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