Once upon a time I had a Debenhams store card, and an Argos store card, and - if I recall correctly - a Topman store card. Probably a few others too. I remember how they were offered to me in my late teens and early twenties with a hefty discount off the purchase I was making that day.
Problem was, they were essentially credit cards with horrifically high interest rates, and keeping track of each one wasn't easy. Plus those stores kept sending me leaflets and flyers for new products and special offers, so I was enticed to spend even more.
Over time, I grew wise to their ways, and wary of credit cards. Someone I was close to was £28,000 in debt by the time they were 28! I didn't want to fall into that trap. I cut up my store cards and said no whenever I was offered another.
Now all I have in my wallet is a Tesco Clubcard and a Boots advantage card. And to be honest, I'm thinking about getting rid of those too.
Richard Pettitt, cartoonist.