[NRx]

I must be the last man on Earth who doesn't have a credit card. To my mind credit is just another word for debt. Cash on the barrel head for me. If I can't pay for it on the spot, then I will live without until I can.

[trebb]

We use our credit card for about everything and write a single check each month to pay it off - we get about $400 - $500 in rewards each year and I just have it rolled in to go against a monthly bill.

Using it for items you would be purchasing anyway isn't the problem - it's those that use their cards as 'convenient loans" for stuff they can't afford to buy outright that become problematic.