I might have to (shudder) use my credit card if I needed to buy something. Using credit cards always makes me feel like such a sucker. Cash rules.
I'll give you an example of when it's a good idea to use credit cards.It was early 2015. I was unemployed and down to about $20k in assets and about the same amount in debt of various kinds.
Insolvent or getting there quickly.
I had a gut feeling that, rather than tap my assets for living expenses, I should preserve my capital. So I started living off my credit cards.
My second gut feeling was that we were at a market bottom.
So put my $20k in bitcoin, and lived off my credit cards.
As bitcoin went up through 2016, I started incrementally liquidating my long position until the credit cards were paid off. I'm still hodling.
I'm not totally against using credit cards.
You can't sell tickets on Stubhub and it's hard to rent hotel rooms or automobiles without one.
If I find myself short on cash for a day or two, I'll take a cash advance of a couple of grand to tide myself over and pay it off ASAP.
I just hate making retail purchases with credit cards and I really hate paying interest compounded daily.
weeeee 
