tag:blogger.com,1999:blog-26277603.post-56974427862378195852007-06-16T09:24:00.000-05:002007-06-16T09:24:00.000-05:00What Diora posted was <B>not</B> an ad hominem attack. <BR/><BR/>And you don't have to pay annual fees to get a rewards card. I have a Discover card which charges no annual fee and gives me cash back, which is better than airline miles. <BR/><BR/>I don't make credit card charges unless I have the money to pay the credit card bill in full when it arrives. So I pay no fees or interest and get money back. The decision as to whether or not to use a credit card is a no-brainer for me.<BR/><BR/>As to your point that sooner or later I'll get sucked in to the credit card trap and start carrying a balance: In my case I guess it'll be later. I've had credit cards for over 20 years without carrying balanced forward. Maybe "later" will be "never" for me.<BR/><BR/>In the end it comes down to personal responsibility. Someone who doesn't have it shouldn't have a credit card either.EMFhttp://www.blogger.com/profile/05517935694411887194noreply@blogger.com