I pay it off in full when it's due, and have done almost without fail for years. In two cases I stuffed up (paid the previous month's bill instead on one, can't

I pay it off in full when it's due, and have done almost without fail for years. In two cases I stuffed up (paid the previous month's bill instead on one, can't recall the other), in both cases I hit them up and they ended up refunding my interest anyway. The points for regular spend, the sign up bonuses, and the interest savings (the average balance on my card ends up saving me interest on my mortgage) put me well ahead. Credit cards are a solid because many (most?) people use them poorly, but it's certainly possible to use them wisely.