[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...

[Chode]

yup, plus all transactions are faster with no counting change etc., i don't have to goto the ATM all the time for cash and it's one transfer at the end of the month