I've been pretty responsible with credit cards. I didn't get my first one until I was 24, and I pay it off every month. I've only put two $1k plus purchases on a credit card, washer & dryer and a TV. And on both of those, I had 0% interest until 2009 through Best Buy.

I use my credit card for everything but pay it off each month. I've got one of those Amazon ones where you get points. Might as well charge as much as I can to it instead of using checking account where you get jack shit.

Two co-joined words:

AMEX

use it/ pay it/ love it