<prompt> Human: I am not very far into my journey to better money management. Im cutting expenses and establishing a budget YNAB. Ive spent years learning to DIY stuff in order to be more frugal, but until recently never really tried to develop a plan for handling our money for reasons. Anyway, Ive been reading some books about money and watching rfrugal and rpersonalfinance like a hawk. I am, however, very confused about credit cards.Some folks advise no plastic ever. Some folks advise plastic for everything but pay it off each month.I currently carry a balance on my credit card that I cannot pay off at once, so theres nothing I can do until I get that sorted out. In the meantime, Id like to know what benefits there are to using your cc all the time?-Do the financial wizards who are anti-credit cards get that way because the average person cannot restrain themselves from wracking up a big balance?-Cash back rewards - do they really get you enough to make dealing with another bill each month worthwhile?-Does it help your credit score? Hurt your credit score? Make no difference, really?-If you pay it off each month, arent you still paying interest on stuff, though? Subquestion - does that negate the cash rewards?Im still some years away from having GREAT credit, because I spent years with bad credit and then a few years with no credit and now Im rebuilding with my ONE credit card. I just want to have a really solid plan when the day comes. No more drifting through my finances in a haze of confusion and denial for me!Thank you, kindly.EDIT to say: You guys are fantastic. Thanks for sharing your knowledge with lost strangers on the internet. Your help is very much appreciated. I have learned more in this sub than in years of reading conflicting info on the interweb.  <response>: Say you spend 10,000 a year in purchases... If you have a credit card that yields 1 cash back, thats a free 100 bucks for doing nothing. Isnt that better than the alternative? Thats why people use credit cards for all everything.As long as you dont hold a balance at the end of the month, you dont have to pay anyone for the use of a credit card. 