Re: Annnnnnnd...
Due to having a poor credit score I only paid cash for around 15 years. Then I got a credit card with a $300 limit, used it a lot each month, paid most of it each month, and the bank liked that. They kept raising my credit limit at regular intervals, and my credit score rose to the point that I easily qualified for a second card, then a thid one, each one with higher limits, which I started using for everything thing, including $3 purchases. I paid all of them off each month. Before I knew it I had a $20k limit on that first card, and my credit score had risen to the point that I easily qualified for a mortgage for the house I bought last year. All my cards have low balances, I still use them for nearly everything and pay 90% of the balance each month, so my interest is minimal. Long story short, by using those cards for virtually everything and paying them off like I do, I quickly took myself from a score of +/- 500 to +/- 800, and improved my life situation dramatically. So I can see why people use their cards for everything, if done the way I did it it can really pay off.