tag:blogger.com,1999:blog-26277603.post-23600923439091231752007-06-12T11:02:00.000-05:002007-06-12T11:02:00.000-05:00I think this is a much more reasonable view. <BR/><BR/>I personally don't plan to get rid of my charge card any time soon - an AMEX gold, although you have to pay for it, is very worth it if you use it a lot. My husband and I together have accumulated nearly 100,000 points on ours, which will be used in large part to pay for our trip to Ireland later this year. There are also some other nice perks - I was able to get decent tickets to this year's US Open men's quarterfinal since Amex offers a presale to its gold and platinum-level cardmembers. <BR/><BR/>Financial responsibility, and knowing how to use the cards so you and not the CC company comes out ahead, is what is key. Sure, you could not use them at all and call that "smart" because you're totally assured of not racking up any debt, but that's the extreme, and ultimately kind of lazy, way out and really isn't optimal for you in the end. It's kind of like advocating total abstinence as a method of birth control. :)Kristinhttp://www.blogger.com/profile/07426401338964826755noreply@blogger.com