I have a Tesco MasterCard. All my spending is done on this card, often up to £1500 per more per month. I use it everywhere. I clear the balance religiously every month and never pay interest. Just in case I forget to make the payment (I never do), I have a belt and braces direct debit set up to pay the minimum each month. This means I can never pay a fee for late payment. I get loads of Tesco Clubcard rewards for this level of spending, which in recent times I've used to obtain, without parting with a penny, a DeLonghi coffee machine, a top of the range Garmin satnav, a tablet and some superb bedding.

I've never heard of a hundred-pound fine for late payment. As far as I know, a late payment fine above £12 is illegal. As far as I'm concerned, my way is the only non-sucker way to use a credit card. Banks don't like people like me, but at least they get a little fee from the retailer every time I use my card. That puts prices up, but it puts prices up whether you have a credit card or not.   So play the buggers at their own game. But don't complain if you fail to play by the rules. You have only yourself to blame!