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There really is no (for lack of a better term) winning at this credit game. If you don't use cc's your score
(trustworthiness) tanks and you pay high interest. If you have cc's and have no need to use them, pay cash for the little stuff. This happens http://articles.moneycentral.msn.com/Banking/CreditCardSmarts/credit-cards-use-them-or-lose-them.asp... and your score tanks because you now have no credit. So they are going to force you to use it.
I am not one to believe in conspiracies, but I have to believe the cc company's play the odds that most people will carry a balance and therefore they will make interest from them. Even the most hardcore bill payer will miss a date once in awhile and they get their few bucks from you.
I know this next statement is just plain obvious but I needed to rant I get so worked up over this stuff.
the only thing these companies care about is getting the money from your pocket to theirs.
They could care less what happens to you once they bleed you dry.
I just get so tried of all the ad,s and commercials trying to convince me I need to give them my money.
OK rant off!! I need a blood pressure pill.
I make sure that every one of my credit cards is used every month. They all have either a charitable donation or a regular bill (cell phone, phone, tv, internet etc) on them.
I know exactly how much will be paid out, and on payday I just pay them all off. ![]()