Um, is the k (£120k) an errant k?
Happy to share I have a cc with AUD800 on it. I earn 1 airline FF point for every $. I run all my expenses through it, and it has indeed rewarded me handsomely.
In fairness, I am grateful that my parents were helpful and open about money, savings and credit and the powerful advice when I was young to measure how many days I'm prepared to work for something.
That is, they didn't say to not buy things, but to consider the worth of say (a crazy example!) nails monthly. Of course I was working, so my anecdote can't apply to EVERYONE who is the subject of this thread hahaaaahhhaaa