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We are currently the poor sorry @rses paying the minimum and a bit above that when possible, and try to never use the card at all. But for most of the time have been the financially whiz-bang dudes who paid the whole card on time each month. ;):D And a bit of in-between at times. The...

There are way more folks out there that are living week to week and have too much week at the end of their money than many folks here on SS realise. To be 5 days late would be mainstream I'd say, and a credit mark for that is a severe penalty. I have loads of customers who need work done on...