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Long gone are the days of simply using a credit card to buy goods and services.Later, after I had convinced you that it wasn’t, you accepted the £50 and gave it to charity.Banks only routinely started relaying information about bank account overdrafts and mortgages to credit reference agencies from around 2000 onwards. They help us understand how customers use our website so we can give you the best experience possible and also keep our online adverts relevant.By continuing to browse this site or choosing to close this message, you give consent for cookies to be used. Don't show me this again We can see from your browser settings that you're not accepting cookies.Now, it’s all about working out the best credit card deals for your personal circumstances and needs.