I get British Airways avios points and flight companion vouchers with mine. I only purchase things I would have otherwise already brought without it, like food

I get British Airways avios points and flight companion vouchers with mine. I only purchase things I would have otherwise already brought without it, like food shopping and fuel etc, and pay the balance to zero at the end of every month. I have no interest in using it for "genuine" credit, like buying something you can't afford and paying it back in chunks later.