To think most people don’t actually pay off their credit cards in full each month?

We do.......always have and always will! Only reason we use the credit card is because it's a Tesco Bank CC and we get extra points for having it. Win win!

We pay for nearly everything on the credit card and pay off each month. We get points for spending so it’s been worth it.

We always way ours off-I use it for points. Talking to someone at work recently though who said they have 4/5 and juggle between them-paying off what they can and when they can. It's not the sort of thing people talk about (with me) really.

I only use it for bigger purchases on zero pefcent credit so for example I bought a tent box and paid it off over a fre months, or put holiday on it and paid off in a few months too.

I also keep zero credit incase pets are ill and can't claim back from insurance straigtr away, or van or car has an expensive fix. I can pay it off though in a few months.
Once uused zero credit time up, I get a new one n close the old account

I wouldn't use it for day to day essentials or bills as it seems a slippery slope.

Always. I have it set up to pay at the end of the month - if I'm anticipating a bigger spend than that account can cover I shunt a little extra into it. I appreciate that I am lucky to be able to save a little regularly, but if I couldn't do that I probably wouldn't use a credit card at all. This is reminding me that I ought to open a Credit Union account to give me another source for emergency borrowing, at lower interest than a credit card.

We did when we used it for everything. Then we got a new joint account which rewards you for spending over a certain amount each month so now we just use the debit card and leave the credit card for emergencies

We don’t, but would like to. Everything is 0% and we’re paying down a big chunk every month, but we were previously in the ‘overspent’ category and are now paying for it. We’re tracking to be completely debt free in 18months so I’m not too concerned.

Yes we do similar.
We put most of our spending on the credit card and pay it all off each month - we do it for the points/miles. We use the points to upgrade our flights. We visit lots of friends/family in long haul places and always fly Virgin Upper Class - the points means that we pay roughly economy prices… no way can we afford to do that without the points!

We have two credit cards. Both pay us money or points to use them so they are our go-to method of payment and yes they get paid off each month.

For some people credit cards are the thing they use in emergency, for others they wouldn’t touch them and for the rest they are used for cash back and of course you have more protection with purchases if they go wrong.

Sure. Also 0% balance transfers. There are definitely ways to play it.

But the OP seemed to be talking about standard month to month spending and not paying that off in full each month.

I do and always have. It's just a means of payment for me, it avoids lots of transactions on my bank account and I get Clubcard points which I use to get full RAC membership each year. I use the cards for my benefit.

I don't get into debt, I don't buy what I can't afford. If I couldn't control my spending, I would get rid of it. It's only a slippery slope to debt if you can't control it and buy stuff that you can't afford. I have seen people go bankrupt with credit card debt because it bought them a lifestyle that they couldn't afford.

I use it for day to day spending on groceries, diesel, literally everything I buy online. I have an Amazon one that I use for my business, and that pays cashback and I get anything from £2 to £5 a month depending on my spending.

I have a DD set to take payment in full each month.

I have used a 0% card in the past to buy a car, and paid that off monthly rather than taking out a loan and paying interest. (The fee was much less than interest would have been).

Rarely use one as I hate debt, but pay it off ASAP if I do. And, just because temptations there, doesn't mean you have to give in to it. Much better to save and then buy what you want.

I always pay it off in full but pretty much only use it to book holidays and little bits here and there. I wouldn't buy something on it if I couldn't afford to pay it off though.

Always pay it off every month. Why would I want to pay interest? If you can't afford something, don't buy it.

Always.

Yes. We don't spend what we haven't got. We use the card for payment but not for credit, as such.

I take advantage of 0% deals for large purchases (not that I make many) as it means I don't have to dip into my savings account and lose my bonus interest. It's effectively the same as saving up for it, except I make money in the process and you don't have to wait 12-18 months to make the purchase. It's only a good option if you've got savings or some kind of fall back though, more risky if you're living from month to month.

Now that is something that had never occurred to me, I have to say. I will definitely keep this in mind going forwards.

I don’t actually have a credit card and don’t want one for a few reasons

I don’t really used a credit card for monthly spending but the only other time I use a credit card is when I’m buying something big and use a 0% card for 18 months or something like that. I’d rather keep my money in the bank earning interest and then I’ll pay the credit card off later at the end of the 0% period.

Exactly the same as me.

I do, but presumably there must be some mugs out there who don't because banks don't make any money from people who are careful with their finances.

I always do

I do these days but historically did not.

Yup. I put all purchases through my credit card and pay it off in full every month.

They average over 20% interest - if you need to borrow money, it's a really ineffective and expensive way of doing it, much better to get a proper loan if needed, or a hire purchase agreement - many cheaper ways to get credit.