[dawn53]

I know you were speaking to Alberta's Child, but here's how I use "credit cards."

I ALWAYS take advantage of long term, zero interest, no up front fee, credit card offers for large purchases (I probably get a dozen or so a week in the mail.)

We needed a new piano, I bought it on a zero interest credit card. We had money available to pay for it, but why use our money when a credit card company is willing to give me money for 12 months free, and I can leave my liquid assets invested. I just pay the credit card off by the end of the assigned period.

We decided to buy a generator before hurricane season, signed up for a Home Depot card, got 10 percent off, zero interest for 6 months, and paid it off in the six months.

Same goes when I have any large expenditure. I just take advantage of one of the credit card offers, even though I have the cash to pay for it.

Credit cards aren't a bad thing, you just have to use them so they pay you, and you don't pay them.

[E. Pluribus Unum]

Credit cards aren't a bad thing, you just have to use them so they pay you, and you don't pay them.

Good point, but credit card companies hate people like you and will damage your credit rating if they get a chance.

[GraniteStateConservative]

Credit cards aren't a bad thing, you just have to use them so they pay you, and you don't pay them.

I think EPU was talking about CC debt, which doesn't apply to your scenario. I doubt that EPU never uses a CC.