[Margaret Pilkington]

Get a credit card......set yourself a LOW limit......and pay it off every month.

I was dead set against credit cards until a couple of years ago when we went travelling......if we had had no credit card we would not have been able to stay in hotels (most hotels take a credit card imprint on arrival - tis is against any damage or thefts from the room) I would not have been able to book some of the really good flight deals either. A credit card gives you some protection too.....if you damage an item bought on your credit card in the first 100 days.....you are insured.

A credit card does not have to mean descent into debt......as long as you are sensible.