Credit Cards Are Good

Most people believe that credit cards are a bad thing.  They are, if one doesn't know how to use them properly.  My father always told me, "Only poor people use credit cards for credit."  I use credit cards for convenience only.  Any time I use my credit card, I have the money in the bank to cover the charge. 

So you ask, "Why not pay with a check or cash?"

Good question.  Using the credit card saves me from writing a bunch of checks all over town and saves me from carrying $100 into the grocery store when I want to buy Oreo's.  Plus the fact, my credit card is known as an affinity card; it gives me one mile for every dollar I charge which can go towards the purchase of an airline ticket.

As long as you are aware of your current credit card balance and you have the funds in the bank to pay the balance in full when the statement arrives, you are using your credit card very wisely.  Otherwise, you are paying a high rate of interest on your charges, and therefore, are paying for your purchases several times over.