I agree that you shouldn't put much if anything at all on credit cards. Ever. But, even if you do run into trouble, a negative hit on your credit rating only

I agree that you shouldn't put much if anything at all on credit cards. Ever. But, even if you do run into trouble, a negative hit on your credit rating only lasts 7 years. Even bankruptcy falls off your credit rating after 7 years. It's just a lot harder to file for bankruptcy these days, because of the laws that the credit card companies pushed through congress. It's actually one of the reasons for the sub-prime mess were in, but that's another thread.