Ive got one too. Pay it off each month. for me, Iuse it for my business expenses so my points are adding up fast.
Like others have said, be VERY carefull. At one point, I was near in trouble with them. its very easy to say 'charge it....ill pay it off on my next check...' Then that check comes along w/ the bill and the two dont match. Youve charged way more that you have $ for. Then starts the interest charges.
Also, FYI, it will take you somewhere around $40,000 in charges to 'pay' for your muzzy. Thats supposing your trying to get it for free. Thats a lot of charging.
If you decide to get one, pmail me. Id like to get the bonus points for having a friend sign up and use my name.