How many of you who have a credit card know the PIN (number) for it

Get one of those 30 month interest-free ones from Barclaycard, Post Office or Saino’s. Hyperinflation will wipe out your debt by the time comes to pay it off anyway.

how come you swapped your avatar back

Good idea. How does your code work, out of interest?

Haven’t had one for years. I know they have certain benefits but I’m not organised enough.