MoneySaving Poll: Do you have credit cards and how do you use them?

If your taking a poll on this site you are most likely in the only category which is not listed:
- I use 0% credit cards and pay the minimum.

Then at the end of the deal I switch to another 0% if the transfer fee is low enough and the credit on my new card is high enough to cover future expenditure on the card, or pay it off and start again on a new 0% card.

I said I pay the minimum.

I sometimes pay the minimum and other times I pay the full amount on a 0% credit card for 2 years.