<prompt> Human: Over the last year Ive really gotten my personal finances in order. I used to use a credit card heavily and would get myself in some minor debt 500-1500 at times, but debt nonetheless. I grew tired of always owing something to the credit card companies, so I focused and paid off all my CC debt, and closed the accounts. After that, I started using YNAB and have been running on a personal budget for 6 months now, and I absolutely love it. My spending is all under control and I theres never any guess work involved in my finances. I plan everything out and stick to it. My conundrum is this... Ive been considering opening a no fee credit card to start getting points and benefits on everyday purchases. Id pay the card off in full every month, and all expenditures would continue to be backed by my budget - not spending any money that I didnt budget for. Is this a crazy idea? Since Ive gotten my finances in order and habits under control, I feel like its something that I could handle, but it also feels like a mini relapse.  <response>: What youre describing is the ideal way to use a credit card. Whether or not you can maintain self control is a separate issue, but the PF aspect of what youre considering is 100 positive. 