Plenty of people spend everything on credit, myself included. The benefits of using credit card make it a no-brainer, given the free air miles, free flights, points etc that can be had.
I've spent on AMEX for the past 2 years racking up 1 companion flight ticket, a £200 amazon gift card, a free bose speaker, priority boarding on flights, free airport lounge access (free food and alcohol before flights). It's a game of swapping and changing cards, but debit is only used if they refuse creditcard, my spotify, amazon, netflix and some others even hit my CC. I also manually go into EE and pay via Credit Card before the direct debit is taken.
I consolidate all spending into YNAB an online tool & repay in full.
RE Open Banking I believe you can opt in / out.
Edited by ukhardy07 (Sat 13-Jan-18 21:52:33)