BBC Sounds, Music, Radio, Podcasts.

Hello and welcome to the cunningly named the Martin Lewis podcast. I do wonder what that's

going to be about. And this is our question time episode in which I answer your questions about

absolutely anything and everything within reason. Your questions this week.

I've got lots of credit cards.

Does that impact my credit rating?

Is it true that I shouldn't completely pay off my mortgage?

As if I do, it'll make it harder for me to borrow in future.

I got a big bonus in April, but I paid a shedload of student loan on it.

Is there any way to get that money back?

What are my consumer rights at Argos?

Does it count as an in-store or a distance purchase?

And your last question was, why do I look so buff?

Well, thank you very much.

Play the theme tune.

Okay, it's time for question time, and as always, I am the act, but the ringmaster is the one and only podcast producer Matt, who seems to continually be building his role. Hello, Matt. How are you and what you have for me? Hello, I'm good. I think I'm having what I'd call like a bad hair day, but I think most people would say it's always a bad her day.

Look, it's on, shall we let people into eat? I haven't actually met Matt yet. We work remotely. We're going to meet next week for the first time. So I'm not quite sure what you look like. We've been working well together, it's been good, but we haven't actually meet because you're in Manchester and I'm in London when we record this. But anyway, what have you got for me, Matt?

Yeah, let's get some questions.

First one is from Alan.

He has emailed and you'll be pleased to know he said, Dear Martin and producer map. So he didn't actually dear Matt. At least I got first. I know. But you always get the mention. Go on. I'm always in there. He has said, I've amassed quite a few credit cards over the years after taking out your top picks and other premonitions.

I rotate between them and pay off in full.

In full.

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