I use credit cards all the time. Anything I purchase I put on a card that have a cash back bonus. I pay all my bills in fact with them. Why?? Last year I got a couple hundred dollars in cash, back. The trick is, at the end of the month, when the bill comes in, pay the entire balance off. I set my credit cards up just like a check book account on the computer. As I pay out, I deduct and never over draw on the account. I've been doing it this way for years and never paid a cent of interest, refuse any card that has an annual fee, and watch what their grace periods are for payback. Also watch the ones that send you a bill on the 3rd and need their payment on the 10th. They are betting you will not get to it and they can hit you for the interest.