The Pointless Page

We have the Tesco accounts too, OH has 2, I just have 1.  Never spend anything out of them, purely to get the 3%.

We used to use our points on the  Days Out things, but we have done most of what we want now, so these days we use them for meals out, mainly to treat ourselves when we are away in UK.

I have both the Tesco debit card as well as the Tesco credit card. I use the debit card for all Tesco spending and the credit card for all non-Tesco spending. However, my wife has a Tesco credit card on my account but no debit card, so she uses her Tesco credit card for her shopping whilst I'm at work.

Never interested in how high or how low a CC interest rate is. I/we use  CCs just as we would a debit card really. Whatever we buy it is paid at the end if month by DD. 

I just make the minimum payments by direct debit and then add a bit more if I have extra funds available. 

You use your debt as a float whilst I prefer to hold my bank credit as a float. 

My way means no debt to service

"Making the minimum payments".......I bet the credit card company's just love you Malc , all that interest you are giving them  

I always watch the 'Money Saving Expert' programme on ITV on Mondays.  Always good advice and for free

We do the same. However, it is just as well there are folk like Malcolm to provide them with a bit of extra income,😀otherwise they might bring in card fees on all credit cards, ☹️ rather than just those that offer extras.

Or you can read on line about what happens when you make minimum payments.....HERE 

There's even a handy calculator.

But I think most of us know already...

Credit Card and how the banks get rich