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  mine is rarely used paul, however a young whippersnapper like yourself is in the digital and electronic age and brought up with the technology.
  
  i do not have a credit card, use a debit card sometimes.
  
  i will not buy anything that i cannot afford to pay for immediately, past the age of mortgages and the like.
  
  i only use my debit card now and again when buying something in a shop, never use it over the phone.
  
  mind you the last time i tried to use it over the phone was paying my council tax a year or so ago, had so many problems that i gave up and sent them a cheque.
  
  just in case paul the fuhrer thinks that i am having a go, the same thing happened before that with "brutish gas".

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