[Margaret Pilkington]

I don't let my credit card company make any money out of me........I had to take a credit card when we were travelling in Australia......Many hotels will not accept a booking from you unless you have a credit card, and the credit card was always swiped for its details when we checked in.......this was so that any damage to the room could be reclaimed via your credit card account.

I was always brought up to pay for the things I wanted, and the maxim was, if you can't pay, then you can't have it.

I could easily have got rid of the credit card when we came back from Oz, but instead I arranged to have any purchases on the card paid for by direct debit from my current account at the end of every month......so no charges.

I use my credit card where I need the additional security of the protection a credit card gives.
My credit card is for my benefit, not the banks.