I learned I’m not the type of person who can pay a credit card off each month. Therefore, I don’t use them anymore. I cut them off cold turkey. I wish more people would do this. You can live just fine without a credit card. I haven’t used one in several years and have never run into an instance where this has stopped me from doing anything other than spending money I don’t have.
For those of us who can and do have the discipline to pay them off each month, credit cards with cash points give us extra money. I typically earn $40 to $60 back every month. Most of that comes from an Amex card that pays 6% on supermarket purchases.
That’s not a lot, but it pays my gasoline at least.