EXACTLY!!

I know I have the money to pay it off at the end of the month so I figure if the CC company is going to give me a ~20 day "intrest free loan" I'll use em for all they've got.

On top of that, as Cynthetiq said, its all about the miles!!

I put everything I possibly can (utilities, groceries, my daily coffee, the occasional used car, etc.) on my cashback bonus card. I never spend more than I can pay in full, so I get paid to use it.

Then again, it'll probably be years before my cashback bonuses compensate for when I had no money, no credit, and a card with a 23.99% APR. :eek:

I majored in credit card debt 101 in college. Discover card saw me coming from a mile away... replaced my car engine with it, then it died, so I bought another used card with it... it took me years to pay off that card. but by that time, other credit card companies found me. So, 12 years later, I am still about 5 K in the hole, not mention my wife's car loan... and a smal chunk of stufdent loan. But I am determined to pay it off.

My question is, do I need to pay it off before I can buy a house? I guess this is a question for the finanial forums....

I have had several cards...all of which I pay off in full each month.

This is the total opposite of most, but I spend cash more eraticcally than I do with my credit card. Plus, I get 1-5% back on all purchases I'd be making anyways! Huzzah!