Distinct lack of modern Credit Card providers?

[42644]

I can’t imagine a better credit card (well, charge card in my case) than what American Express offer. That isn’t to say it can’t be done, and perhaps Monzo is well placed to do so, but credit cards and current accounts aren’t really comparable, the industry is very different, they have more differences than similarities.

I’ve commented before why I do not use a debit card and suggest that everybody* uses a credit card:

Using debit card only a mistake?

There’s no cost associated with having unused credit: I have… at least £30,000 available across a few different cards and I use probably 5% of that at most and my credit rating is great. As Paul said, history is what matters, responsible use of credit is key and access to a lot of unused credit shows responsible behaviour because an irresponsible person would spend up to their limit. That said, personally I do not use a debit card ever. I spend only on a credit card – which is paid off in full …

@phildawson

But this would mean juggling it with enough largish payments to make sure like 10-20% of the credit is used.

Don’t bother trying to micromanage your utilisation, it’s pointless. All that really matters is you pay off your full balance every month – and that’s mostly because it’s a good habit, not for credit rating reasons, carrying a balance is not going to penalise you.