Non credit card

This is a non credit card, just in case anyone wants to print it out and then not carry it with them.

Britain is at the top of the debt league and we must all do what we can to fight back at the credit card companies who blight our lives with their continual envelopes. I put some rubbish in the pre-paid return envelopes and return them, though I do not identify myself as I do not want to be added to a list of people to whom extra misery must be caused. Sometimes I fill in the forms with gobbledygook or languages with a script of my own devising. As with the spammers you should never let them know you exist as they will send you more and more of their junk.

My view is that it is ok to have one credit card for purchases that can be made no other way, and these days there are some of those. Also when overseas it is useful to not have to carry large amounts of the currency especially if bartering with weighty produce is the local custom. But I would never borrow on a credit card as it is a bad way to borrow and also I am not good with PIN numbers.