I'm probably an odd one out, but I love using credit cards. Got my first student card as a freshmen in college, and at this point I have about 10 cards, each wi

I'm probably an odd one out, but I love using credit cards. Got my first student card as a freshmen in college, and at this point I have about 10 cards, each with a very high limit (most of them with nothing on them). I treat them like shock absorbers/cheap debt. For example - we're saving up for a down payment, while there's large bulk expenses that pop up like tuition for Masters programs. I throw those on the credit cards, and take advantage of balance transfer offers to essentially get a low-interest loan for a year.