We also belong to the “credit card for every purchase” club. We literally use it for almost every single purchase we make, no matter how small, for all the same reasons stated above.
In the past ten years, we’ve carried a balance on our CC exactly twice, and paid 50% in one month, and the other 50% the next (all planned) on both occasions: once for our wedding/honeymoon expenses and once for a multi-week vacation.
Other than the CC which we pay off at least once a month, we have NO debt…no mortgage (because we rent), no car payments, no student loans, nada.
