Many years ago, when I was young and poor and credit card transactions were processed manually, I would buy something stupid on credit and then return it later in the day for cash. Today, we have five branded credit cards that are tied to American, Delta, Marriott, Southwest, and United, which we use for the travel points and pay in full every month. We have not incurred a late fee or interest charge in over 30 years, but we have over a million travel points that we use to visit our children and grandchildren.
Way to go...!
We put both of our kids’ college education on the airmile card. Got a lot of good flights out of that. Always paid off next billing cycle.