She spent a year working full-time, juggling childcare and her job and paying for breakfast club on top of nursery fees, before asking to reduce her hours again. A small reduction was finally ...

Earn 2 miles per dollar on purchases. Redeem miles (at 1 cent apiece) for credit on your statement against any travel purchase, with none of the restrictions of airline cards.

"It's worth saying that if you are unwilling or unable to put things right, you will contact your bank or credit card provider and raise a chargeback to dispute the transaction," he adds.