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For 15 months the £30,000-a-year detective constable had "completely disregarded" police regulations stating he could use the card only for "travel and subsistence purposes".

In one 10-day period alone he made 30 illicit purchases.

"The Crown are not saying there is anything wrong going to a sex shop, but you do not use a card given by your employers for travel and subsistence purposes." The once highly-regarded officer, whose address cannot be published for legal reasons, insisted his colleagues believed it permissible to treat the Amex cards issued to cover operational expenses as theirs.

"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.

But, dear children, you are in luck, because unless you go to a small town bank that’s stuck in the 1990s, your debit card is backed by a credit company and is therefore more credible, yay!

That little Mastercard or Visa logo is probably why people don’t know the difference between credit and debit.

My first reaction was: 'Are they advertising Christmas heroin or something?

Debit cards are great because you can only use what’s available in your bank account (without getting overdraft fees, anyway).

Make that a general rule for your finances for the rest of your life and you’ll do just fine. What’s the difference between a debit card and a credit card? Now, as great as bank accounts are, they won’t directly affect your credit score.

Think of it this way, debit cards are like checks in digital form. This could be a lot or this could be absolutely fucking nothing if you’re poor as dirt (like me).

Sometimes you try to spend more than is in your account and depending on what kind of checking account you have, this could go in a few different ways.

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That’s why I go so long without even an explanation – cuz I keep thinking I’m gonna update on a given week…