Who uses credit cards?

[crazyskunk82]

I agree with Tyson. Credit cards can reward you if you don't have problems with impulse purchases and can guarantee you pay it back when the statement comes. But stuff happens, and sometimes you might not be able to make the payment in full. If you can great, but I've found that sticking to cash is the best way to go.

[maat55]

We use one card for specific uses. We do so only for the rewards cash which we put into our car fund.

[rob62521]

I use my Discover card for most things...safety and ease being two good reasons. I figure I can use their money free and then I pay them off each month.

[krantcents]

I use a credit card that earns frequent flier miles. I earn enough that my wife and I can travel to Europe first or business class every other year.

[landon.bruno]

The one who has enough balance in his bank account and is willing to pay interest on money that he has overspent.

[thesmartnickel]

Credit cards are a great money making tool as long as you pay them off in full each month. By just treating them like cash, I get around 3% back on my spending each year. I have a few credit cards which I manage, taking advantage of the 5% cash back in revolving categories for Chase Freedom and Discover and some others which give >1% in specific categories all year round. I hardly use cash anywhere where credit cards are accepted.

[danieldroga]

Yeah. many uses credit cards to get a good points and save them up to make a good impression on my loan application.