This was why I (sort of) get it.
I just imagined someone who was in that position would likely have enough to cover more than one month’s expense or would be more inclined to just wait a month and buy then.
Obviously they are popular and have their use I just can’t fully get my head around it 
Perhaps they want the consumer protection and will clear the balance more or less ASAP?
For example with my Silk Charge, I earn Crowns (basically points) which I can redeem for whatever I so wish. Similar to Avios and alike.
I like many other people want something back from my spending. It’s as simple as that really.
See it’s my understanding they aren’t covered like credit cards.
This makes sense, thanks.
I guess it’s more the charge cards with no rewards that don’t make sense to me.
I’m sure you’re correct. Section 75 only covers credit cards. Charge cards don’t technically provide credit because you must pay the full balance.
The points you earns with HSBC WE you can chose to redeem more options than others.
Love that HSBC design. The refreshed versions of these designs with the angled lines instead of gradients looks so much better, I hope they extend it to the entire product line.
Still a lion fan here… nothing will change that opinion from me
Oh I am too 
But if we’re going to have these designs, they’ve improved over the first iterations.
When I traveling love to using chase for everything, the transaction works so smoothly without any issues.
They display the GBP amount immediately after you spent.
I love that design. It’s the card I never got, and never will now.
I was too but now I’m all into Horses. The new designs for Lloyds are 
. The 2000pt details on the back though, I think they could be smaller as they are with other banks.
Cannot add to apply pay😂 I will try again few months later or iPhone 17
yeah, there can be a lot of swiping involved if you want to pay with a particular card. I quite like how you can set any card to be your default though - I have mine arranged with personal cards to the left, and joint account cards to the right.
Out of interest - how did this go?
This is a good point. I mainly use credit cards for the S75 cover. I always pay my cards off in full. My first Amex (green one) in the 1980s was a charge card and I could charge whatever I wanted to it without any issues. I believe Amex had insurance to protect your purchase as I claimed once and was refunded without any issues. I found their CS better then than now though this was was pre-internet.
To answer Harry’s point above I do remember Diners and Carte Blanche. My father had a Diners card which was taken over by NatWest.
I’m glad someone does!
I remember before debit/credit cards were widely popular certain larger stores would offer an “account”.
I held one for years with House of Fraser.
You’d have an account at various stores which you’d be given the bill for and would settle in full at the end of the month, often in store by cash or cheque!
I had one of these for Robert Sayle (later John Lewis) in Cambridge.
so what happens then?
In some countries (but as far as I am aware, no longer in the UK), Amex would offer certain defaulters access to their poor credit Optima cards as a way to give them a second chance and earn back their favour.
