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Stephen Winberg, prosecuting, said as time passed the detective constable, who owed finance houses £76,000, came to regard the American Express card as a "cash cow" and his only source of ready money.

He explained the free-spending detective's expensive dishonesty was partly due to the "glamour" of life in the anti-terrorist squad fast lane of hotels, foreign travel and "whizzing" around in cars "going to his head".

1) Your card gets declined and you’re forced to pay in more, ahem, creative ways.

2) Your bank pays the bill for you, but you now owe them for that and for saving your sorry ass.

"I honestly thought the card was for my own use," he maintained, adding his "superiors" behaved in exactly the same way." But the jury disagreed and convicted him of one count of misconduct in public office between July 2006 and September 2007.Washington, who claimed he was the victim of an "office culture" that saw the American Express corporate cards as personal property, insisted he had always meant to pay the money back.Mr Winberg said: "What part of his job description did Mr Washington at the time - Dc Washington as he then was - think he was fulfilling by using the Metropolitan Police Service (MPS) card in a sex shop in Soho?When they’re little, this is a good solution to stop your children from eating pennies, too. Your bank account is also important so that creditors know they can trust you with money.So a few months back, I wrote The Responsible One’s Guide to Convincing Credit Companies You’re Not a Worthless Bag of Shit, and recently I received a question asking about the difference between credit and debit, so this is what that is. Debit cards, also called bank cards, are the new cash.There is no enrollment process and you control when and how much you pay.