Credit cards I don't get the problem, page-9

We use the card for everything and it gives me an itemized account of every cent we spend every month

We have always paid it off in full prior to the time period, they send a text if I am getting too close to the close out date

I don't pay any fees and I don't get any useless fly by thingies, but I do get free credit for 15 to 45 days

I fail to see why everyone does not take advantage of the opportunity.

It is also there if there is a urgent need for lots of money, never happend yet