<prompt> Human: I was wondering why well off people use credit cards. I make 48K a year and have 3 credit cards. WF I owe 260, Alaska Airlines I owe 200, AMEX Platinum I owe 0. Side note the 550 annual fee for the AMEX Platinum is waived for Active Duty and has a TON of benefits and feels like a metal card. Anyway, I have had WF since I was a Teenager because of my parents so it would bad for my credit to get rid of it. My AA I use to get miles. My AMEX I just got and I think will payoff my AA and just leave the balance at 0 and use the AMEX. I use my Cards for perks and if a big unexpected expense comes up. Have a family of 3 soon to be 4, single income, so things come up. My wife and I are good about paying stuff off fast. Anyway, I learned AMEX has an even better card that you need to get invited to and has a like a 5K a year fee plus like a 2K activation fee or so I heard. Why do people making like 150K a year and can afford that card need a CC? If I was making that My wife and I would still live with in our means thanks dad for nailing that into my head growing up and we would never have to take out a car loan or anything. Do the benefits really help someone that well off? One more side note for Active Duty, Google SCRA. If you got your CC before you joined the military they have to lower your interest rate to below 6 thats everything too, school loans or what ever, call and get your interest lowered. Another perk of my WF CC. Also they back pay you any interest that you paid over 6 during your service. I got 5 years of worth of overpaid interest back when I did it. I am still active and they cannot raise my interest till I retire from the military. So at least for another 14 years. Assistant: OP lists benefits they get from credit cards build credit, airline miles, perks OP asks why people use credit cardsHuman: I get that, but if I earned that much money, I dont think I would care need the benefits.  <response>: But the more you spend, the more benefits you get. Until you start getting into billionaire-level wealth where you can buy almost anything without worrying about the price, free stuff is always appreciated. 