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What is the point of credit cards if you don't overspend?
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I cancelled our Santander 123 credit card as I did not think it was worth paying the fee. We did get cashback on groceries and fuel but it became less generous as Santander reduced the amounts given. I do have two credit cards which I pay off in full each month and I use them mainly for larger items for the S75 protection and abroad or on holiday to save worrying about how much is in our current account. I don't really like using them though.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
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Fingerbobs said:In the mid-1990s there was! Mine changed into a normal Barclaycard, presumably when I finished my studies, then I closed it a few years later when they introduced a £10 annual fee.As a matter of mere idle curiosity, how was a student Barclaycard different from an ordinary one?I don't recall any £10 fee,and certainly wouldn't have paid it. Irrelevant, though, since I dumped Barclaycard in 1990, when I got a First Direct Visa instead.
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