[DeletedAccount53]

We only use our debit cards. Our birth parents ran up a massive debt with BarclayCard and American express and had to pay off their debt in monthly installments. Adding interest to each month on the balance meant it took them three years to pay it off. Julie and I vowed never, ever, to have one.

We only buy what we need. Using plastic these days is far safer than cash and banknotes because of covid cross-infection. Therefore all we need do is swipe our card, then use our copper contact-free 'dibber' to press in the numbers. All don and dusted, the payment is auto-debited out of our bank account. It's the safest way.

Julie and I keep a tight spend, payments out (accepting our Direct Debit monthly payments for utility bills, and everything we buy gets entered into our ledger, always by Julie. This way we know what comes in and goes out., Admittedly there is gain from living in Monaco that is 100% free of any taxes, long since abolished by Prince Albert II. VAT is all anyone pays, the Principality's only income (other than the Casino where we are forbidden), so our income and outgoings have always been closely watched by us.

No debts for us with credit cards. Even if we get sent one in junk mail, it'll get cut in half and binned.