<prompt> Human: Im really curious about what strategys some of you utilize here when it comes to spending. On one hand I find the people who claim credit cards are the devil, and then others who only use their cash to pay their credit cards off every month.I just got a rewards credit card with 10.9 APR and a 1500 limit. Previously I had a very basic 500 limit CC through them. My question is do I just start using it for all my purchases now and pay it off every month? Is that the consensus for accumulating points the most effective way?And because you guys love details, yes I am employed. I make a little over 2000 a month. My rent is 380, no car payment, car insurance is 120, utilities come to around 200 monthly. I also spend about 200 a month on gas.  <response>: I pay everything gas, groceries, fast food, EZ Pass, etc that I possibly can on my CC, and then pay it off at the end of the month. I never carry much cash on me anyways, so its either my debit card that gets me 0 points, or my CC that gets me anywhere between 1-5 on purchases. Its a no brainer to me. At the end of the year I cash in all the points at once and use it to help pay for Christmas presents. 