[MargaretR]

The best way to use credit cards is to ALWAYS pay it off in full every month, and use a card that gives CASHBACK.

The amount of cashback to be earned varies between 0.5% and 4% (I am getting 4% for an initial 3 months, then 1% thereafter).

This way the credit card companies PAY YOU for using them, and is like a discount on all you buy