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I have a credit card myself but I use it only on very rare occasions. I got the card mainly for emergencies and those times when a credit card is absolutely necessary. If I do use the card and it really isn't that often, I always pay the balance off immediately. In actual fact my balance is in credit at the moment and they owe me money!
Customers who use their credit cards heavily and can't afford to pay off the balance each month may end up being stung by the interest charges. That's their problem though and they can carry on donating to the already hugely inflated profits of the banks if they wish. Personally though I would rather hang on to my hard earned cash and use it to more life fulfilling ends.
I'm really fed up with the way the big high street banks treat their customers. To them we're nothing more than cash cows. It's been said before, but I think it's very appropriate - at least Dick Turpin wore a mask before he robbed you, they just sit in their glass towers and dream up new ways to screw money out you.
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