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The IHG card has a very poor earnings rate for Priority Club points, and I would only ever consider using it when actually staying at an IHG property. Even then I rarely use it because of the poor value it represents.

Once I had spent the minimum required for the sign up bonus (which was a not ungenerous 20,000 points when I took it out) I have put the credit card in the safe; it only comes out when I need to top of my account with a few points, though that is usually more easily/efficiently done by converting Amex Membership rewards.

I agree, set up a direct debit for the full balance and avoid borrowing on credit cards at all costs.