<prompt> Human: I was thinking about signing up for a credit card with cash back rewards and using it strictly to pay for certain bills, loan re-payments, gas, groceries, etc. Essential things that you have to pay for. Ive never felt the need to have a credit card besides a Lowes card because I know they get out of hand very easily. But I was wondering if there are any negative consequences to using a credit card to pay bills and buy essential stuff and earning some cash back on purchases I need to make anyway. And then immediately paying off the credit card balance of course.  <response>: You might have a tough time using a CC for loan re-payments or paying something like rent. Even if you can, there are often fees that off-set any cash back rewards you might receiver. Otherwise that is how most people use credit cards. 