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cheap canada goose uk It appears that we are all being a bit more responsible with how we use our credit cards (Image: Getty)Get money updates canada goose outlet paypal directly to your inboxSubscribeSee https://www.canadagooseoutletss.com our privacy noticeMore newslettersCredit cards can be a risky business. Used unwisely they can be the beginning of a credit spiral with ever more money being borrowed to cover the interest on debt already owed.But used right, they might actually be the best way there is to buy things.According to stats from The Charity the average household has credit card debt ofFor a canada goose uk price credit card with the average interest rate, if you only paid off the minimum each month that would take an enormous 26 years and seven months in order to clear that balance.But credit cards aren’t just an option for borrowing if you don’t canada goose gilet uk sale happen to have the money on hand they are also simply a different way to pay for the canada goose outlet uk review items you want to buy.And new figures show that is increasingly the way that people are using them.Figures from UK Finance have shown that while the amount spent on credit cards has jumped by more than 12% in the past 12 months, the outstanding card balance has only grown by 5.7% over the same period.According to Eric Leenders, managing director of personal finance at the trade body, this suggests that people are taking a “measured approach to credit”, which “reflects the growing preference of customers to use their credit cards as a means of payment rather than a borrowing mechanism”.Why paying by card makes senseOne of the core reasons why a credit card makes sense simply as a method of paying is that it comes with additional protection that canada goose shop robbed isn’t in place when you spend with a debit card or in cash.It comes down to Section 75 of the Consumer Credit Act.This key piece of legislation sets out that if there is something wrong with an item or service that you’ve bought using your credit card, then the card provider is equally liable for making things right.The idea behind it is that, when paying by card, what you are actually doing is asking your card provider to act as your agent and buy something on your behalf.So if something goes wrong, you can reclaim cash from them as they are the ones that technically bought it, not you.In practice, this means that if you buy something online and the retailer goes bust, you will still be able to get your money back.This protection also applies if the item you ordered arrives but it’s canada goose clearance uk broken or not as described, but the retailer is dodging your attempts to get your money back.The purchase will need to be worth between and but you don’t need to pay for the entire outlay with the card, just some of it.Section 75 claims explained the credit card super power to defeat dodgy tradersBenefits to go with the extra protectionThe second major benefit of spending by credit card is that many providers offer you a reward for using them. This is generally in the form of loyalty points, which you can then convert into goods or services that you actually want.For example, a host of different airlines have credit cards which essentially reward you with airmiles albeit under different names which can dramatically help you cut the cost of next year’s holiday.Take the British Airways American Express card, which comes with 5,000 bonus canada goose bird uk Avios the BA airmiles scheme if you spend in the first three months, and then one Avios for virtually every you spend after that.Similarly, Virgin Atlantic has a Reward credit card, which offers 5,000 bonus miles when you make a purchase in the first 90 days, with a further 5,000 canada goose vest uk miles if you apply before 14th December and then spend in the first 90 days cheap canada goose uk.