What do you use your credit card for?

[ohgiveitadayoff]

Just curious as to what other people use there credit card for and if you pay it of in full? We have a 10k limit and owe about 3k I've only ever used it for expensive stuff really like DD pushchair and a few treats for myself.

M&S Use it for everything and pay off in full. Get m and s vouchers and save them up for Christmas. Between us get about £400 worth.

Use it occasionally when I remember and pay in full every month. I use it to keep my credit score up and so I have access to credit for emergencies or suddenly needing to replace something.
DH has one that he only really uses for business to keep the transactions separate.

We pay it off in full every month, normally stick the food shop on it and any big purchases like when we bought a sofa

I use it every week when we have no money left and need shopping ( food) And also when something unexpected crops up ( car needs fixing etc) I top up a bank loan once or twice a year to clear it. I'd be lost without it, it's our lifeline.

DH and I have a joint credit card, we use it for everything (and we get clubcard points) then pay it off each month.

So will it ruin my score if I don't pay it of in full?

Our CC has historic debt on it that we pay towards every month and do balance transfers when 0% interest runs out.. there's just short of 8k on there though makes me feel sick every time I think about it!!

It has a 12k limit 'just in case' but it's really a last resort.

Use it to pay for absolutely everything and pay it off in full every month and earn cashback - bill is usually around £1500 or so.

Means that it comes out of the current account just like all other direct debits and I just check once a that there is enough money in the account for all the months bills. Couldn't be doing with spending from the current account and needing to watch the balance to make sure there's enough for all the bills that come out.

Just holidays and pay them off 5 mins later! Got an A+ credit score so cant be doing it wrong.

It doesn't ruin your credit score to not pay it off but it usually costs a lot of interest.

Pretty much everything and it gets paid off in full.

Use it for anything & everything to maximise the cashback. Pay it off in full by Direct Debit.

I leave enough on my main account just to pay bills. I have another account for food, petrol and stuff, the rest is in a savings account. If I'm unsure if I have enough in my household account then I use my credit card so payment doesn't get refused. I pay off my credit card in full each month.

In the USA, so different credit score rules may apply, we use it for everything and pay off monthly given we get cashback rewards on every purchase. It's the only way to do it as we see it, paying back large purchases even at more than minimum repayments on a cc will just rack up interest payments and that kind of payment pattern does affect a credit score here.

I buy everytjing on Partnership card...food, holidays, clothes, meals out. We usually spend £3 to 4k a month between us. Everything paid off...I have never paid interest in 35 years.
We accrue lots of John Lewis vouchers and save them to buy something substantial..we have just bought a new laptop.

We have one credit card which all our spending goes on and gets paid off in full each month.
A second credit card currently has a small amount on an interest free deal which will be paid off by the time the deal ends.
And we have a halifax clarity credit card which we just use for spending abroad.
If we were in a situation where the main card couldn't be paid off in full then we would look at transferring that balance to an interest free deal to be paid off over time.

For small purchases each month - no more than £30. Then I pay it off the following month. Sometimes I don't use it. This is simply to help my credit rating.

Use mine often, mostly with internet purchases and pay it off monthly

Use it for everything I can. Pay off in full every month. It’s a cashback Amex.

I use my credit card for everything and pay it off in full each month. Rarely use cash.

I have a Sainsburys credit card & put everything on it & pay it off every month & save the nectar point for Christmas

If you fail to make the minimum payments each month then your credit score will be affected

We usually book our holidays with a cc. Just in case the company goes bust or some such. Other than that, I put my car insurance on the cc. I don’t have a joint one with dh. We have separate accounts also, as we pay for different things.

Use ours for everything and pay it off in full. We get cashback rewards, clubcard points on the Tesco one, airmiles to go towards holidays. It ensures we have a credit record as shows we borrow money and pay it back. If you don’t pay in full but still make the minimum payments then that will still count positively on your credit record. People who have never had a credit card or loan or overdraft sometimes have problems then borrowing money as they have no proven record to show they can pay back.

Oh yes, and paying by credit card gives you additional protection if company goes bust or you get into a dispute about faulty goods/service etc. Now that card fees have been abolished, it doesn’t cost you more to put things on card.

I only had mine a year to get a credit rating. Other than that i didnt see the point of having another plastic hanging around. I use only what's in my bank account amd thats it.

You're covered by the Visa Chargeback rights on your debit card if holiday company goes bust.