Why do people spend on credit cards and pay off in full?

[toastedcat]

Just read a thread where someone mentioned this in passing and I wondered why you'd do all your spending on a CC that gets paid off every month?

Normally it’s to get points, airmiles or cash back.

I also get really good insurance if I lose something I buy or it’s stolen.

I think most people I know manage money this way

Additional financial protection for holidays
Additional protection against fraud for online shopping
Work expenses which will be reimbursed
Loyalty schemes

Financial protection. I won't buy anything big on debit.

Also - vouchers.

Oh and when buying multiple items of clothing knowing I will be turning a few

Protection from fraud, to collect points

We buy all of our joint/household purchases on one and then split the bill, it’s easier than guessing how much to put in a joint account

Tesco points.. you can spread the cost of something if you need to, or not! Options...

People often do it to create a payment on their credit record.

It helps with cashflow too.

Tesco points. We have so many of them.

Avios

Cashback and the process of categorising all my spending every month.

Why would you not? Better purchasing protection, 1.5% cashback on spends, Clubcard vouchers/air miles to use throughout the year

I get a lot of cash back if I use my credit card. I typically make around £100 a year so I always use it. I know how much I can spend on it without it getting out of hand and I always pay it off in full.
And as other posters have said, extra protection for purchases too.

Cashback, primarily.

Keeping the joint account off bounds for joint spending as a secondary reason.

Points, financial protection, if we've got a big spend going out, even on rubbish interest rates it was a few pence that stayed in my account with the extra 30-60 days of interest. Plus I have a large credit line available to me, if I do need to buy something unexpected.

To get between 45 and 15 days free money.
To build a pain-free credit history for a future loan.
To get insurance on what you purchase.
To shop online.
To book and guarantee car hire.
To avoid carrying cash for large purchases or late at night (eg. Petrol stations).
etc.

All of the above

Protection and rewards. It's also good for your credit score. DS2 got one purely for that reason. He how has great credit history.

purchase protection, cash back & paying for anything that’s likely to be returned (clothes multiple sizes etc). All advantages.

Cash back, protection for big purchases, when I’m going to likely return stuff. Also improved your credit rating if you pay in full

It improves your credit rating?

I get cash back on mine. In the two years I’ve had it I’ve got nearly £500 back. I put absolutely everything on it and pay it off in full at the end of the month.

Fraud protection.

Cash back, points. I use mine for everything so it really adds up.