Leaving the question of debt alone, at this point, you're kind of an idiot if you don't use a credit card as much as you can. At a minimum you can get cash back

Leaving the question of debt alone, at this point, you're kind of an idiot if you don't use a credit card as much as you can. At a minimum you can get cash back on every purchase. If you have the discipline to pay your total balance on time you never pay finance charges.