With my outgoings, I was concerned about the fact I had a credit card. Even though I knew that I could afford to support Yam and pay the card, I wanted my disposable income to look a bit healthier for each month. I felt if the ECO could see I had a credit card that I was throwing a couple hundred quid a month at, they also may query how much I owed on it.
To get round that issue, for over 6 months I drew out random amounts of cash from the cash machine 4 or 5 times in a month, then at the end of the month, dumped the cash into another account and paid my card that way.
