Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited.

The Benefits/Disadvantages of using a credit card
In the UK, using a credit card adds a layer of protection for consumers. If something goes wrong or you bought something that was actually a scam, if you inform the credit card company with the necessary documents they  will typically clear the balance for that purchase (essentially the burden of 'debt' is passed to them and they themselves will have to chase up the necessary people). Section 75 of the Consumer Credit Act  I personally use my credit card when buying anything one would consider as  "consumer spending" (tvs, furniture ect). I then pay off the credit card immediately. This gives me the normal benefits of the credit card (if you get cashback or points) PLUS the additional consumer credit protection on all my purchases.  This, in my opinion is the most effective way of using your credit card.