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?

The only time I can ever think of this happening to me is when I paid upfront for some swimming lessons and the pool was constantly closed or lessons cancelled. I took it up with Halifax and they refunded me. That was a debit card!

Avios. I fly business class to most places, with the avios collected on my credit card.

The card I have had for years is Tesco. I get a weekly delivery from them and I also put all other personal shopping on it and pay it off in full every single month. When I used to get Sainsburys deliveries I had a Sainsburys credit card too to get extra nectar points.

If used properly, you can gain a lot of benefits from them.

I don't do it for all spending but if I'm making large purchases I use the credit card and pay it off to get the purchase protection.

Doing this can improve your credit score. Especially if it results in you being offered a higher credit limit. This will matter if you need to apply for a mortgage. It shows you are a responsible borrower.

Avios points and two for one flights paid for with said Avios.

We flew business class to Barbados for the cost of the taxes because I use my credit card for absolutely everything.

This.
£36 so far this month in vouchers. Free money!

And when we can’t use our credit card we use our Chase Debit Card.

Those using John Lewis cards. How much is going on them per month?

Up to 1K usually depending on whether it is Christmas or holiday etc

This thread has given me the impetus to actually sort out a Tesco cc so I can get more clubcard points.

i idly totted up what I spend on my bog standard credit card and realised how much I could be claiming back (all non direct debits food, fuel etc go on a credit card that is paid off in full every month)

Same.

I do this - CC is useful for travel cover (had to call in once when an airline went under), when people are paying me back for booking expensive tickets to something, or for a month where I have lots of expenses (such as summer holiday when I'm paying for holiday stuff + new batches of school uniform). Then I can pay for it all the best month when finances are less pressurised. Never used the credit facility.

We do all our day to day spending on a credit card and pay it off in full by dd every month. We used to get reward points that were exchanged for m and s vouchers, but that has recently changed to a straight cash back scheme it's not as generous as it once was but we still get iver £100 a year cash back. Credit cards also give protection on higher value purchases, although we have never had to claim.

I only got a credit card because I needed something on my credit record.

I have multiples of my cc limit in savings so I don't need to borrow money & can give myself a 'loan' if I really wanted, but savings aren't taken into account & my rating was only middling despite no debt/no bills ever paid late as the only thing on it was a mobile phone & my gas bill.

Using a credit card & clearing it when the bill comes in gives me added protection on larger purchases plus improves my rating as they like to see a history of borrowing & repayment.

Also, some places only want credit cards (some hotels or HP places etc..) when you book, so it's handy for that.

I don't need my 'score' improved for now, but you never know when it will come in handy.

Pretty much all the reasons others have said
Cash back rewards
Better fraud protection
Better purchase insurance and relatively hassle free dealing with disputes
Easier for both of us to spend jointly whilst retaining separate bank accounts (we started joint CC when I was on maternity leave)
Better credit score which makes a difference when getting mortgage deals
Avoids timing issues when claiming back expenses for work

Both of us don't really use it as a credit facility and are actually pretty good on staying on top of our spending though so I wouldn't necessarily do it if I thought we'd slip.

Which cards are for for cashback in England?

Here you go.
www.moneysavingexpert.com/credit-cards/best-credit-card-rewards/
Basically you should probably pick which supermarket you use the most and go with them.