From now on, I will do my best not to put either food or clothing on credit cards, unless that card is paid IN FULL on the due date each month. Rather, my payment preference will be a debit card. This week, I have closed down 2 credit cards and changed my M&S account direct debit to pay in full. I will keep my NEXT Store Account open, but settle it over 3 months at 0% whenever items are added to it.