Some people use credit cards as part of their routine. They expect to pay the amounts charged as soon as they can to avoid a finance charge, using it as some would use a debit or ATM card for daily purchases. Should they come up a few pounds short when it payment time then they just let that roll over into the total for next month paying the interest and then probably catching up on the entire amount before the next payment period.
For those that qualify, this credit card cushion is easier and less expensive than an occasional payday loan. It is a responsible way of meeting your monthly obligations even when the monthly budget gets tight. As long as these extras or overage spending amounts are taken care of before the balance accumulates into a huge debt you carry over for months.
Using your cards credit in this way is usually cheaper than the one time credit loans as you are in control of your credit rate and payment dates and can use the card to its full advantage. For some who just spend beyond their means and use the credit card as a safety net month after month are destined to accumulate an ever growing monthly debt. Once this amount overtakes your monthly ability to pay it back could be the start down the road to disaster.