[Chode]

i use my card for everything and pay it off at the end of the month, so why do i use a card?

because i can get either cash rewards or free stuff that i would not get paying cash

you can make it pay you to use it...

[cherry]

I use them too but also pay them off every month in total and I can't recall having to ever pay a finance charge...twice in 30 yrs I've called and begged to have a one day extension on my payment because I forgot to send it in early enough, and I was granted it both times...my credit score is over 800...I only know that because I got a new card with a nice free transfer balance no interest for one year...(no transfer fees either)....

you do spend more with a credit card, so we are trying to limit ourselves to only one card and to use it sparingly...