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Nothing wrong with credit cards if you aren't a flipping moron.

I have a rewards card with a $2,500 limit. Because of that limit, I put ALL of my bills on it since I would ordinarily have to pay them anyway.

Further, I buy all my gas, groceries, and other necessities with it, because that's what I would do with my debit card.

In fact, that's exactly how I treat it...... like a debit card. Except it gives me money back and improves my credit history. Because I treat it like a debit card (that is, I never spend money I don't currently have in the bank), I never carry a balance.

Thus to date, despite a high 25% APR, I have paid precisely $0.00 in interest, and thus have never spent more on something than it actually costs.

I even bought a TV with it, except what I did was SAVE UP FOR THE TV FIRST, THEN bought it with the credit card, just to get the points. When the bill came around, I had it covered.

Anyone who doesn't do this, is thick. It's actually really, really, really easy to use a credit card properly. It's easier than doing basic math.

All you have to ask yourself is this:

Do I want to pay $850 for something that actually only costs $500? If you answer yes, you're a moron and should probably be rendered sterile before you breed and pass on your retard fish frog monkey butt sex genes.

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