I would have said "true", or at least - I would have said "I do, but never incurring a charge on next month's bill", but with services like Flex from Monzo, you can actually get credit over 3 months with 0% interest rates, which not only makes buying stuff more likely, but spreads out the costs. It doesn't solve over spending though.

How much is it?

You could draw all of it and put in a a 2x leveraged SP500 ETF :-D for 3 month and then return the money :-D