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    , while last year it got a lot of coverage following the cosmetic firm SK-II’s emotional advert on the subject, which went viral. He points to what he calls the “80/20 principle” in the animal kingdom, where 20 per cent of the male species “owns” 80 per cent of the females, leaving 80 per cent of males mateless.

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    However, this strategy only works if you're on relatively good terms with your credit card company. For example, say you have a balance of £1,000 a month on a card with a 6.9 per cent interest rate and a £50 annual fee.

    If you tend to pull out your credit card when you're short of cash, leave the card at home.But for the debt-free and disciplined, there's profit to be had as long as you strictly follow a simple golden rule: always set up a direct debit to repay the card in full each month.That neuters almost every mainstream credit card's interest charging ability.Late-payment fees are limited to a £12 one-off fee.This may not sound like much, but frequent late payments can affect your credit rating.

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