When someone shows off about never having used a credit card I think: more fool you.
Used right (debt paid off in full every month), shopping with a credit card gives you the shield of one of the most potent pieces of protection ever drawn up — the 1974 Consumer Credit Act.
Its powers mean that if something goes wrong with an item you have bought and the retailer cannot or will not pay you back, you can claim from the card company under Section 75. This wonderful and effective piece of legislation protects us from failed businesses, rogue retailers and faulty goods. For the past 48 years the law has covered consumers who lost money because of terror attacks, volcanic eruptions, a pandemic .
