Not always true? Hell, I have a credit card for 8 years and have-gotten big £ back. I pay £2 for it a month, but if I have two direct debits bank refunds it.

It literally is free money as long as you pay it off each month.

It boggles my mind how people fail to see it. If you’re bad in money? It ain’t for you. Interest can mount up but it doesn’t take that much self control to not blow 5k when you’re only taking 3k home.