A credit card can be a very useful tool – just like other financial options – if it's used properly. Like you, we use ours regularly, too, so that we don't worry about carrying large amounts of cash around. But we have NEVER paid a cent in interest to the credit card company. And the card we have pays us rewards that we use to get free extras that we choose not to include in our budget. It's a win-win-win for us.