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Message: [QUOTE="dirtybkr, post: 410951, member: 17691"] Nothing wrong with useing credit cards ,they are a good source of " free money" , as long as you don't carry a balance . My wife and I NEVER do . A lot of card issuers offer some kind of incentive to use thier cards , such as frequent flyer miles or cash back , so we use our card (notice thats singular ) for EVERYTHING . Intrest rates don't matter , of course , becouse I don't pay no stinking intrest . The only debt we carry is our mortgages , and we pay extra every month .We drive used cars , and pay cash . We have however taken advantage of some 0 % financing offers , but always pay them early . Our motorcycles are our only toys , and we saved for them and bought them cash also . It is not always easy to wait for things you really want , but not worrying about all that debt is worth it . If I lose my job today for spending to much time on DRN , I won't worry about them coming to get my bike . [/QUOTE]