I use my credit cards for expenses and pay it off every month in full. That means I earn the credits they offer. From miles, cash backs and discounts, so it's working for me. I recommend for people to use them for simple balances if they're going to make small payments, this will grow trade-line history and increase your credit score. It's all about controlling your spending, if not, then you'll be in the whole fast. Credit cards are great, but you need to be smart about it. Simple rule: Store credit cards will always have the highest interest rates, bank credit cards have med interest rates, MasterCard, Discover and a direct Visa credit card will competitive rates. If you track your credit rating, you can ask any credit card (except store cards) for a lower rate, if they don't, close that b*tch. #cheers