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On a day’s Personal Shopping trip, we have a lot to get in a short space of time. They might use their own credit card, a store card, some cash, joint account cash, joint account credit or we lay-by.

Either way, we have a budget that we have worked out and will stick to, so how my clients purchase their items is completely up to them.

Visa claims that preventing customers from paying in cash would make transactions more secure.

Any switch from coins and notes to credit and debit card payments or services such as Apple Pay would also be of huge benefit to Visa, which makes money from transaction fees.

Meg always replies, ‘you never notice anything I wear and I have had it for ages! Then there is the fudging the truth a bit approach.

You always round the cost of the item down for this. The majority of women will also instantly justify their purchase.

While honesty and transparency is usually the best policy, if you really want to hide your credit card purchases from your partner, we spoke to personal shopper Sarah Donges about some of the tricks people use to hide theirs.While your credit card statement can be a great way to keep track of your purchases, this can make it difficult if you’d rather keep some of your credit card purchases private.Let’s say you share a bank account with your partner or you look at each other’s statements to keep track of your expenses, but there are some purchases that you’d rather keep to yourself.They paid for it but they have been looking for it for ages. These allow you to avoid having to pay interest on your shopping purchases for the longest time possible. Leave a comment below and share your secrets with us.A credit card giant is planning to declare war on cash by offering to pay shops and restaurants in Britain to reject notes and coins.

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