[xtinct]

Last 12 years... if I wasn't going to be able to pay off the entire credit card bill that month, I didn't need the item.

I feel safer shopping with a credit card than cash because I'm only responsible for the first $50 plus my charges should the card be stolen or lost.

Other than the one credit card, I have NO debt.

[RSmithOpt]

CCards are good to use at times because of the lemon protection clauses in most agreements, but, pay it off if at all possible in 30-90 days like I do for durable good purchases. That’s about the only benefit I see.