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

Used Amex for years. Now accepted very widely. Just a few smaller places and smaller on line that won’t.

ive reduced Amex now as switched banks back to Santander and their rewards give me just as much for most of my spends. Just makes my financial accounts easier to have under main debit than to have to check a whole load of Amex spends too. But that’s just an admin advantage. I still use asap where making bigger purchases I want payment protection for.

lot to be said for Amex still. Particualrly for first 6 months if you e got big spends coming up like moving house, doing renovations etc etc.

I also have a master card, for payment protection only when Amex can’t be used. Keep my bases covered

We pay ours off every month.

We do. Always have. Like pp we have Amex for the Avios points.

I do - if I use it. I only use a credit card for things like plane tickets, so I get the protection the card offers.
Other members of family pay off each month - interest rates on credit cards are very high, it's stupid to pay interest when you have the money to settle the bill (poor economic understanding, even!).

I do the same. Charge everything for points.

I do. When I was in my 20’s I didn’t as I didn’t have a clue about money, once I had cleared the huge for me balance I vowed never to buy anything that I couldn’t afford to pay for again.
Excluding mortgage.

I used to, but currently in a not so great financial situation, my partner lost his job so we were relying fully on my income for a while, which meant paying the minimum amount on the cards for 6 months. He’s now in a new job so once we’ve built some money up we’ll pay them off again hopefully.

Seems an unusual AIBU when a cursory Google suggests it's around half and half. Why does anyone wonder about factual stuff nowadays when if you're posting on here you have all the information in the world available on the same device

I haven't read every single post but the demographic of posters responding to the thread doesn't seem to be statistically the same as the whole population anyway.

Maybe someone else has beaten me to it

answer is 62%

https://www.money.co.uk/credit-cards/credit-card-statistics

No i use credit cards because i need to to spread the cost, however I do switch to 0% interest cards

Yes always have, had credit card for over 35 years. Only time I haven't is by mistake. I have mostly used it to give me time to move money from other accounts to cover payments. Now our income generally outstrips our outgoings (only in last couple of years), I rarely use my credit card. I've never thought getting into debt was OK, other than a mortgage.

yes definitely. I essentially just use it as a debit card, but one that improves my credit rating and provides extra protection on big purchases.
If I couldn't afford to pay it back every month I wouldn't put it on a credit card.

Even with 0% deals like a sofa for example, I'd only buy it if I did have the money to get it upfront anyway.

My credit card bill is paid off automatically in full every month, so I don't even need to remember to do it.

only ever had a 0% card and wish I never had it!
needed it while in maternity to pay for important things. Now on maternity again and trying to pay it off little by little before the 0% is over.

IMO I would in future only get a credit card if I’m getting something back and can pay it off in full.

desperate times and all that.. sigh.

We both have Amex and use it for the Avios points. We have platinum so you also get meal vouchers and shopping vouchers for Harvey Nics.

We pay in full each month.

I always pay mine off in full every month. I didn’t when I was at Uni and the 4 years following that when I lived in my flat on a single income - lived in my overdraft then too! I no longer have debt and substantial savings so can afford to do it.

Amex and always pay off. Very few places won’t take it. For those I use a debit card.

We use Amex for most of our purchases (we don’t buy airline tickets and don’t go to high end restaurants). Yesterday I used it in Boots, Holland & Barratt, Lakeland, Nero Coffee, KFC and the Co-Op. I had to switch to another card Clarks, the butchers and the bakers. M&S card for M&S as you get extra points that way.
We are high spenders and made around £2k in rewards from the 3 credit cards last year without paying a penny in interest (The Amex does have a very low annual fee).

We do. Two months if the bill is due to something breaking down and fixing cars.

I’m always surprised by how many people use credit cards if they don’t need them, I always had it instilled in me they’re a slippery slope to debt and have always been too scared to get one.

I always have in the 40+ years I've had one. Even (or, in truth, it would have been more important) during the years we were really skint. I couldn't afford to be paying interest on top of the purchase price of anything. We'd save up.

Every single month, in full. If I didn't have the money in my account already to pay off the credit card, then I wouldn't have the credit card.

The only reason I've got one at all is for the perks.

I’ve always paid mine off.

Sometimes I tactically time a purchase with my credit card so that next month’s wage will cover it, but I’ve never not cleared the card when I’m billed.

I barely ever use it, only for the protection if buying a bigger item. When i do use it i pay it off in full the next month.

I don't routinely use credit. If I want something too expensive to buy from my wages i save up for it.

We do, I’d never get more on the credit card than I could pay off the next month.