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Quote:
Originally Posted by Peaches
I have at least a dozen credit cards. IMO, they are the best way to spend "cash". I use the ones with rebates or rewards and pay them in full every month. None has an annual fee. I don't even know what the interest rates are on them since I've never paid interest. When one comes out with a 0% rate I use it exclusively until it tops out then pay it off right before the 0% expires.
Purchasing with credit cards gives you more benefits - you have more pull with getting satisfaction with a company when you have a chargeback you can put into process. In addition, many cards double the warranty on products you purchase with them and carry additional insurance when you rent a car.
Yes, there are people who can't handle credit cards, but personally I've found them VERY advantageous in comparison to cash over the years 
I'm also a BIG fan of 0% purchases. Just make sure to pay it off WITH A RECEIPT a month before it's due and put your cash into a savings account until then |
Is what I do except I pay annual fees for the cards so I can make more points per dollar I spend and since I do atleast 20k trans with my cards per month the points quickly add up. 0% purchases often have a 1 time deferral fee of $45-60 which I don't like.. if it's totally free or the merchant makes it free for me then am for it too