It's those of us that can't get out to shops I guess that benefit most?
One important thing for me is to check our security card rating It's not viable as yet to get a "Secured" credit card in the UK, but but then you have to look for cards that have Section 75 or/and chargeback provision
All my info from Martin Lewis' site www.moneysavingexpert.com/credit-cards/
the page that is on security and chargeback
www.moneysavingexpert.com/reclaim/section75-protect-your-purchases/
But thank goodness for google who at last answered what I wanted
"All UK credit cards issued by major providers like Visa, Mastercard, and American Express offer both Section 75 and Chargeback protection for purchases. Section 75, a legal protection under the Consumer Credit Act, applies to credit card purchases between £100 and £30,000.
Chargeback, while not a legal requirement, is a scheme provided by card issuers like Visa, Mastercard, and Amex, offering a way to reverse transactions for various issues.
I was relieved that my MnS credit card is fine, yes, I admit they have me all tied in, but I have other reasons
You get to talk to a real live person, long opening hours. I once run them in the night as my now ex had started spending loads on the card - a quick text alert, then I phoned them and they pulled his access tho it was borderline.
And they have substantial special needs support, helpful as it gets harder to manage
"M&S Bank provides support for customers with special needs or who require assistance managing their finances, including those with mental capacity limitations. They offer options to help customers and their trusted contacts manage finances, and they work with attorneys appointed through a Power of Attorney to manage accounts"
I'm sure other cards do offer these too but as long as its OK, leave well alone...