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

I’m a mixture. Sometimes I let it build a bit if I have a demanding month for the paltry amount of spare cash that I have each month. This month I’m paying off.

I do. I have a direct debit set up to always pay the full balance.

I do when I’m using it like I would a debit card, everyday things. Once a year or so I make a larger purchase (tech, flights) that I plan to pay off over 2-3 months but that’s it.

I’ve never been in a cycle of holding a large balance long term, it’s difficult to escape from. You need to be looking for a 0% balance transfer offer if you’re spending months and months with a big balance on a card.

I don't all the time, I have no idea about what other people do, never asked anyone and it hasn't occurred to me. Why?

We do every single month. We use a tesco one though just for the points but never get that many in relation to spending to be honest
Husband hates paying interest on anything

I’m generally happy but they have put up the annual spend to £15k per year (it was previously £10k) and increased the yearly fee. That said we have just got four return business class flights to the US in the summer hols for £3500. That was using a combination of Avios points and two companion vouchers.

Always pay in full. All our spending goes on the cards

Yes, I always have. Didn't have credit cards until I was in a position to know I can clear them monthly. Apart from a mortgage, I've never borrowed anything.

That completely depends on the card. I get charged interest on whatever is on there. Even £5 or less (obviously wouldn’t have that on there but just hypothetically).

I do - after bills my money is shifted to savings. Then pay for everything during the month on cc before paying off on payday

We do

I do, I like the convenience of a credit/ debit card but am not going to fork out paying interest for that convenience.

I do

You can generally keep a balance of 1k and never get charged any interest. But that of course depends on how much you're spending each month.

If I can't afford to pay the bill at the end of the month, I wouldn't be making the purchase, unless it was essential.

Only time I don't pay in full is if i have made a purchase on interest free credit, anf it us paid off a month in advance

I assume the poster means the Tesco credit card, it used to be really generous with the points but they cut it back in recent years. I now prefer to use a cashback debit card for food shopping

I absolutely do. Interest would fuck me up.

I have a 20 month 0% card and I put all my insurance on it (house, car, horse, horsebox!) And pay it all off monthly over the year. It costs me nothing and helps my credit rating. I also use it to book holiday stuff and sometimes pay off that month and sometimes over a couple. There are lots of ways to use credit, some sensible and some daft. I'm happy with mine, but others wouldn't be.

Same but for Virgin.

Although we are looking to switch since they changed their bloody rewards scheme and massively increased the points for reward flights 🙄

Are you happy with your avios? BA seem to go to more of the places we want to go anyway.

We buy everything on our credit card , food , fuel , cafe visits , treats , amazon deliveries , clothes etc , on average comes to 2k a month . It is paid off in full , we do it as it's convenient .

For what I assume is the majority of married couples, it's at least or more straightforward to share finances and know that there is no debt, or if there is, exactly what it is. We rarely discuss finances, certainly not "constantly", as there is no need because we both have access to it and the information.

We each have individual daily spending credit cards, although are authorised users on each others. DH has Amex, I have Mastercard, so they are used by both where they are accepted or will gain the best rewards. Both with a DD to pay in full each month.

If I spot an unusual transaction on my card , I will check with DH if it was his purchase, in case it is fraudulent, but don't question the specifics of what he bought. I might gently tease him if he bought a sneaky treat from a bakery on my card for example, as I get notifications of transactions, but he has the option of a different card or cash, so could make the purchase without my knowledge very easily. I think he does it on my card as he likes being "caught" though 😁.

We discuss large purchases like appliances, cars etc, but otherwise trust each to spend within our means. Large purchases that might use finance or the need to borrow on a 0% card is managed by me, as DH trusts me to do this, but I would update DH every so often (every 6-9 months perhaps), so he has a general idea.

One reads on here quite frequently that OP's partner has secret debt, which remains hidden and gets out of control, and that can cause the end of the relationship. I'm glad my DH and I have full transparency, and I appreciate it all the more after being in a previous relationship that did not.

We do. We put everything on credit cards for points but pay off right away - don’t even wait for statement etc

Which credit card do you have for Clubcard points? Is there any advantage over having a Tesco Clubcard?

I do, for the Tesco clubcard points and buyer protection. I also have a Halifax one which I use abroad as it has a great exchange rate.

Most people I know do.

I do because I would hate paying interest to the thieving ratbags of banking. They get nothing from me, 👍🥂