it seems people are of a split opinion on this one.
I can see both sides, i guess my main “Beef” when i look back on it is the expectation for me to have to buy 4 pairs of trousers and front up the money to do so! regardless of whether it would be refunded or not.
As for the Credit Card debate, its a personal thing. Been there, done that, had my fingers burnt as a youngster and still not wanting to get another one.