[exPBRrat]

I see this as a gimmick for the undisciplined but if it works, that’s great.

For me I charge everything and pay it off in full every month.

Sometimes there’s a surcharge for using the card, like at a restaurant. If I know that in advance I use cash.

[Tell It Right]

I like using credit cards, but only as long as it doesn't change spending habits. In fact, my "random spending" account is a credit card that I pay off weekly and never let get above a certain amount (same concept as transferring X $'s weekly to a random spending checking account).

I like your method of paying off your credit card every month. But be warned about spending more than you would have if it was cash or a debit card. For example, if it was cash and you'd spend $300/week, but with it being a credit card you find yourself spending $450/week, that's $150/week that could be used to further long term financial goals (i.e. pay off debts, save for kid's career training, invest in retirements). So even though you're not paying interest for using your credit card (yay to you for paying it off every month), don't be satisfied with just that. Keep the credit card use within the budget spending and goals planning.

[Responsibility2nd]

Sometimes there’s a surcharge for using the card, like at a restaurant. If I know that in advance I use cash.

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If a restaurant adds on a surcharge for using a card, I simply reduce the tip by that amount.

[Diana in Wisconsin]

“For me I charge everything and pay it off in full every month.”

Beau does that, too. He puts it all on his Cabela’s Black Diamond Card, or whatever. It affords his hunting/fishing/outdoor lifestyle addictions. ;)

But it IS FUN helping him spend all those perk dollars at Cabela’s every season. I usually come away with something cute in pink camo from Carhart, LOL! ;)