I use the card and pay it off at the end of every month. Only reason I do this is because I know I have the $$$ to pay it off, and I earn points on the cards doing this that help me get more goodies. [8D] I haven't carried a balance on a card for almost 3 years now outside of the card I use for work expense and travel.

I've accumulated enough goodies over the years that I usually can sell something to come up with the money to buy something else. I rarely buy new unless I've got some sort of special deal on it, and this way I'm paying minimal $$$ out of pocket for just about anything.