I am totally with you, I can not stand to be in debt or having any outstanding credit card debt. But that said, I maintain a Costco AmEx (soon to be Visa I gues

I am totally with you, I can not stand to be in debt or having any outstanding credit card debt. But that said, I maintain a Costco AmEx (soon to be Visa I guess) and use it for everything. At the end of the month I just pay it off. To be honest I don't much care about my credit, it's under my wife's name any way. The reasons I use the Credit Card is to protect my self against fraud. Cash is king, of course, but not always convenient to pay with. And for online purchases you are forced to use either a Debit or a Credit card. With a Debit card, if someone steals your account, it's your money on the line. With Credit Card, it's the banks. They created the shitty system that is so easy to hack, let them pay for the fraud and deal with it. My credit card has been stolen 3 times in the last 2 years alone. One time by an AT&T rap, they actually caught and prosecuted her. But the point is, I never had to stress about having money missing from my account. It's a good idea even if you don't care about credit.