Quote Originally Posted by jdfc View Post
I’m similar to what you say in your post only a bit younger, I’m 2 and a half years away from my card, but I’d rather this was giving at retirement age and the money used for other more important things or even taking away the 1% tax, it doesn’t just stop at 1%, once you hit £43k you go to 40%, rest of the UK is £50k, this is all wrong
As someone who's paid that rate of tax, and above, for years I see the card as a tiny bit of a scrape back. I can see that some would use it much more than me of course and some of those won't be like us and might never have paid any tax.

I agree with your earlier point regarding the under 22 entitlement - should be for school / college / university travel only and invalid after a cut off time and at weekends