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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Do people actually use credit cards to pay bills or is that a red flag?

102 replies

YourEdgyJoker · 26/10/2025 20:17

I’ve always thought of credit cards as something you use for emergencies or bigger purchases, not regular bills. But lately I’ve noticed more people mentioning they pay rent, council tax or utilities with their credit card. Is this just normal now or is it a sign things are tight?

AIBU to wonder if this is smart financial strategy or a slippery slope?

OP posts:
spirit20 · 27/10/2025 11:41

This all depends on whether you pay it off or not at the end of each month. I use my credit card for everything, because I get Avios points and also because I'm protected if something turns out to be a scam. But I pay it off at the end of each month. It's only bad if you end up not paying it off and pay interest on the outstanding balance.

Glittertwins · 27/10/2025 12:10

Apart from a few bills which are DD, the credit card is used for absolutely everything and paid off in full every month. I’ve managed over 25 years like this and never run up debt as we spend what we can afford and I use the points on other things so I don’t have to pay for them.

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