These football-club branded products are an own goal

%VIRTUAL-SkimlinksPromo%They might sound like fantastic plastic for a loyal supporter, but these cards can be beaten.

You follow your club through thick and thin, or perhaps just thin. You've got the replica shirt, the DVDs, the photos on the wall... all to show your loyalty. You're thinking about applying for the club credit card too. But that's almost certainly an own goal on your part. Let me explain why.