<prompt> Human: We recently switched from using our debit cards to using a credit card to collect air miles. We have steady income and have been using 40 of the credit limit a month and pay it off entirely once the statement is posted. The thought is the perks of the card pay for itself 75 annual fee comes with companion fare and air-miles rewards. We use it for groceries, eating out, basically everything.Is there anything else I should be aware of? If I never exceed my limit and always pay the full balance when the statement is posted it seems like a win-win.  <response>: Nope. Credit cards are your friend if youre responsible. I just bought a duplex and am excited to use over 1500 in gift cards that Ive earned with my credit card offers in the past year on home improvement. All from spending money I would have anyway. 