Do you have credit cards and how do you use them?
Credit cards are like fire. Used right they are a useful tool, but get it wrong and they burn. So we want to test how you use them. Please select ONE option under the relevant category closest to your position.
Credit cards are like fire. Used right they are a useful tool, but get it wrong and they burn. So we want to test how you use them.
Please select ONE option under the relevant category closest to your position.
Results
| I don't have and don't want a credit card |  |
43 votes (11%) |
| I don't have a credit card as I can't get one | |
9 votes (2%) |
| I have a credit card(s) but never use it/them | |
14 votes (3%) |
| I have a credit card(s) but ALWAYS repay in full | |
226 votes (56%) |
| I have a credit card(s) and don't fully repay, but it's/they're all 0% | |
70 votes (17%) |
| I have credit cards and mostly repay in full, but pay interest on some | |
7 votes (2%) |
| I have credit cards and repay some in full, but borrow on others | |
5 votes (1%) |
| I have a credit card(s), don't repay in full and pay interest | |
23 votes (6%) |
| I have a credit card(s), it's/they're maxed out and cost me interest | |
4 votes (1%) |
| I don't have and don't want a credit card | |
66 votes (3%) |
| I don't have a credit card as I can't get one | |
7 votes (0%) |
| I have a credit card(s) but never use it/them | |
64 votes (3%) |
| I have a credit card(s) but ALWAYS repay in full | |
1070 votes (53%) |
| I have a credit card(s) and don't fully repay, but it's/they're all 0% | |
549 votes (27%) |
| I have credit cards and mostly repay in full, but pay interest on some | |
69 votes (3%) |
| I have credit cards and repay some in full, but borrow on others | |
58 votes (3%) |
| I have a credit card(s), don't repay in full and pay interest | |
107 votes (5%) |
| I have a credit card(s), it's/they're maxed out and cost me interest | |
45 votes (2%) |
| I don't have and don't want a credit card | |
93 votes (3%) |
| I don't have a credit card as I can't get one | |
12 votes (0%) |
| I have a credit card(s) but never use it/them | |
89 votes (3%) |
| I have a credit card(s) but ALWAYS repay in full | |
1863 votes (58%) |
| I have a credit card(s) and don't fully repay, but it's/they're all 0% | |
657 votes (20%) |
| I have credit cards and mostly repay in full, but pay interest on some | |
136 votes (4%) |
| I have credit cards and repay some in full, but borrow on others | |
105 votes (3%) |
| I have a credit card(s), don't repay in full and pay interest | |
202 votes (6%) |
| I have a credit card(s), it's/they're maxed out and cost me interest | |
79 votes (2%) |
| I don't have and don't want a credit card | |
77 votes (2%) |
| I don't have a credit card as I can't get one | |
6 votes (0%) |
| I have a credit card(s) but never use it/them | |
87 votes (2%) |
| I have a credit card(s) but ALWAYS repay in full | |
2982 votes (76%) |
| I have a credit card(s) and don't fully repay, but it's/they're all 0% | |
389 votes (10%) |
| I have credit cards and mostly repay in full, but pay interest on some | |
137 votes (3%) |
| I have credit cards and repay some in full, but borrow on others | |
52 votes (1%) |
| I have a credit card(s), don't repay in full and pay interest | |
148 votes (4%) |
| I have a credit card(s), it's/they're maxed out and cost me interest | |
41 votes (1%) |
| I don't have and don't want a credit card | |
43 votes (2%) |
| I don't have a credit card as I can't get one | |
2 votes (0%) |
| I have a credit card(s) but never use it/them | |
29 votes (1%) |
| I have a credit card(s) but ALWAYS repay in full | |
2179 votes (88%) |
| I have a credit card(s) and don't fully repay, but it's/they're all 0% | |
105 votes (4%) |
| I have credit cards and mostly repay in full, but pay interest on some | |
38 votes (2%) |
| I have credit cards and repay some in full, but borrow on others | |
27 votes (1%) |
| I have a credit card(s), don't repay in full and pay interest | |
46 votes (2%) |
| I have a credit card(s), it's/they're maxed out and cost me interest | |
9 votes (0%) |
| I don't have and don't want a credit card | |
3 votes (0%) |
| I don't have a credit card as I can't get one | 0 votes (0%) | |
| I have a credit card(s) but never use it/them | |
11 votes (2%) |
| I have a credit card(s) but ALWAYS repay in full | |
578 votes (90%) |
| I have a credit card(s) and don't fully repay, but it's/they're all 0% | |
23 votes (4%) |
| I have credit cards and mostly repay in full, but pay interest on some | |
9 votes (1%) |
| I have credit cards and repay some in full, but borrow on others | |
3 votes (0%) |
| I have a credit card(s), don't repay in full and pay interest | |
9 votes (1%) |
| I have a credit card(s), it's/they're maxed out and cost me interest | |
3 votes (0%) |
12,708 votes received.
We try to use technology to limit voting to one per person. Occasionally, this may erroneously block a few people's votes (eg, from shared offices). Apologies for that.
Latest weekly email
Tips, tricks & must-knows
Via top bank accounts
See Martin's update
With boosted cashback
A beginner's guide
Including Estée Lauder
ISA & normal savings
Tools and calculators
Clever ways to calculate your finances
Find your odds of getting top cards
Find your odds for getting a cheap loan
Compare broadband, phone & TV deals
Compares thousands of mortgages
Eight calcs to help you work out the cost
We ensure you’re on the cheapest tariff