Interesting thread. I've had credit cards since 1984, and NEVER missed paying them off every month. I used to have Discover, but they played too many games. I got a VISA years ago, for the sole purpose of having a card with a small limit for renting cars. I don't travel that much any more, so I'm not worried about it that much.

The one thing that I really like about credit cards is one check to pay at the end of the month rather than several. It really cuts down on postage.

I refuse to pay any bills on line. Not nearly enough safeguards. I once took out a car loan that way, and swore I'd never make that mistake again, and I haven't.