>> I think most people would be much better off just using debit cards, and operating with the funds they actually have. Totally agree, but - and this is anoth

>> I think most people would be much better off just using debit cards, and operating with the funds they actually have. Totally agree, but - and this is another example where the rich(er) benefit - if you actually have the money and good financial discipline you're better to put everything on your CC and pay it off in full monthly. Let the merchants finance for free for 3 weeks, plus maybe get perks like purchase protection and extended warranty.