Now before everyone screams in disbelief - they can be used to your advantage...back in the day I had gawd knows how many all maxed out to the limit.....9 years on I only have 1 - my Tesco one. I set up a direct debit to pay off the balance in full every month and use it like a debit card. If I dont have the money I wont use it. I dont pay any fees but collect Tesco clubcard vouchers every time I use it which I then turn into Deals and buy magazine subscriptions as Christmas presents.
We dont have a Tesco near us but my eldest dd does and that where she mainly does her shopping. I got a wee leaflet offering 1000 points if I recomended a friend - talked to her about it and explained about the direct debit so shes going to apply for one and she also gets 1000 points,
So they can be a good thing if used properly.
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