My 2 cents.

When I first opened my betfair a/c, many years ago, I tried to transfer money directly from my bank a/c (NAB) to Betfair. The transaction was blocked and after several attempts I rang the bank. I was told that the bank does not allow transfers to THAT kind of business. What kind of business I asked?, "you know, THAT kind of business". After a few minutes of useless argument and a few choice words on my behalf I realised I was not getting anywhere. So I purchased a bank cheque from the same bank with the same money and sent that to Betfair. see the difference??? As soon as the BF a/c was funded I closed my a/c with THAT bank. So in this case I was not permitted to spend my own money how I saw fit.

2 cents on my own Credit Card use.

Have been using them for years and put everything I can on them. Have always paid the full amount on time, so have never paid interest. Now I know they are not free, but with the points earned we have have had 2 return flights to New York, 1 to Europe, and will have enough to have another 2 to Europe next year.