Its not a bad thing to use credit cards. I charge most things but always pay off the balance at the end of the month. So I carry a $0 balance forward and don't pay any interest. I mostly do it to have a single bill and I only charge my typical monthly expenses or what I would normally pay cash for. Most of my bills like electric, tv, internet, cell phone, etc. are online so I use it for those, paying them either way. With the rewards from my card we usually get $300 or so back each year. Free money if you can control your spending. I'm probably the type of person the credit card companies don't like, taking advantage of them.