I don't use a credit card. I'm also 100% debt free. I don't purchase anything I can't afford up front. I'm also British.

I don't agree with the "rewards", which seem like a massive scam, which rips off everyone though higher prices irrespective of whether they pay by credit card or not, and I refuse to be a part in that. I likewise refuse to bother with any other dodgy scheme like mail-in rebates. Charge me a fair price up front, and I'll pay it in full, there and then. No silly financial games.