<prompt> Human: So, I know that many dont use credit cards andor dont like them. That is OK. Though Im in Canada, this post applies to the US as well.I just wanted to share ways Ive used credit cards in the past year that have helped me: Saving money on bills by paying only a portion of them in one month and paying the rest off the next. In September, I purchased a smart phone on credit. I then paid it all off in the same month. Recently, I was buying lunch with my chequing account effectively 0.00 money went to savings. I put it on credit, and then paid it back when I got more money.How has responsible non-crisis usage of credit cards helped you? I say non-crisis because I know that some are forced to use credit cards due to not having savings for eg car repair. I am not talking about these crises!  <response>: Pretty much anything. Just pay off your balance in full each month with AutoPay, or be sure to fall under a 0 intro rate. 