I am debt free, but use credit cards every month. AMEX card gives me 6% back on all the groceries I buy and when I buy a $50 Gas Card from Publix for $40, I get another 6% off the $40. When I go out to eat, and get Military discounts and BOGO’s and other special meal deals, I get 3% cash back with my B of A Master Card. Also have a Chase Visa card through Amazon that I get Cash back on also. Pay them ALL off every month and some get used a lot. Last year I got $425.00 back from AMEX alone. Credit score last month 833. Paid off my car 3.25% car loan this month, 3 years early, so maybe score will go up again next month. Who knows, but I like using credit and most people do too.
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