How often do you use credit cards?  I actually use cards in most of our household expenses.  I figure out, it is better to carry less cash.  Besides, we are earning a lot of points with our purchases.  In fact, we can already fly to roundtrip to Singapore for 2  using our points in our HSBC card.  But I sometimes have to control myself as well cause I really tend to splurge a lot.  I don’t want to have bad credit credit cards so I only give myself an allowance on how much to spend.  I know some people who have bad credit loans.  Good thing there is badcreditoffers.com which can help those people find the best solution for their financial problems.