Dunlop then went into Corstorphine Police Station and reported the theft of his card to PC Robert Maloney.

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Robert decided to cancel his card but his account with the card company carried on, so the debts kept piling up.

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"Issuers have flushed through a lot of the bad debt, and we see yields increasing, " said Robert Hammer, who runs a credit-card consulting firm.

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John Connolly scored an 83rd-minute penalty after Marcus Kane tripped Chris Scannell and Robert Garrett was sent-off for a second yellow card after 87.

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"It's a whole new skill set to develop: to convince people to actually take out their credit card, even for one cent, " said Robert Kyncl, YouTube's vice president and global head of content partnerships, told reporters at the March event.

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The Scot birdied three of the last six holes to card a closing 69 and force a play-off with Sweden's Robert Karlsson as they both finished on 10-under par.

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Some examples included "I will make a handmade greetings card for your loved one" and "I will record a video message in the style of Robert De Niro".

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