If you pay it off monthly, there is nothing wrong with it. You actually collect points/rewards for using it. I'm going to Europe for Christmas, and my wife's ticket will be free just for using the card. It's only when you don't pay it off that it becomes a problem. You might say that if you can buy something, why not just pay cash, but like I said the rewards are worth it. I get about 100,000 points a year, and thats good for a few tickets to St Martin.