Niiiiice! Oh, I def use credit!!! Unlike many of my peers who seemed to be scared to death of using cred, I certainly use it to my advantage lol... Most of my expenses are just fun things anyway... I have no debt other than cred cards and student loans, which is more than enough to manage! Hahhaa :-)

Thanks again y'all! Already made a space for Amex in my wallet hehehe :-)