<prompt> Human: So real briefly,I have a large amount of monthly expenses between Cable, Mobile, Etc. Historically, I have been using my freedom unlimited card or sapphire preferred card to take advantage of the rewards points. I normally wouldnt even make a post like this but the rewards are fairly significant 1000 USDyr... it could be more if I utilized them more.However, I find myself racking up debt and holding a balance because I somehow rationalize that spending money out of my checking account and holding a small balance is totally ok and Ill pay it off eventually. However, by the end of the year Im usually holding 3-4k in CC debt that I pay off with my bonus or tax refunds.So my question is it foolish to simply ignore the cc rewards programs and utilize them in a way where I can be more responsible; Or do I just need to learn to better manage spending money across multiple cards to take advantage of the rewards programs?EDIT: To clarify at present I have zero balance across all my cards. I just I know that if I do what I normally do, at the end of they year Ill have a 3-4k balance that I have to use my bonus for.  <response>: If you cant use a credit card correctly then of course you shouldnt use them. Once you change your mindset then considering starting to use credit cards again. 