<prompt> Human: Its funny when you talk to people who are ignorant on CCs and they say, CC are bad, DEBT IS BAD! - Well, no. Responsible CC use is extremely beneficial. Irresponsible CC use is bad. I have a cashback CC which I pay in full every month. This is what I get back in 1 statement period - To get this I put every possible charge on the card as I can every month. I obviously dont spend more money than I have.The CC company pays my Verizon bill, for free. Every month.Thanks PF for giving me the tools to be successful!  <response>: I do the same as you. Just charge everything. I have the Chase Sapphire Reserve which is about 500year just to have. It comes with a 300 annual Travel bonus as well as access to some airport lounges. For the most part I just use it for the 50 extra value of points. Buy charging everything to the card every month I end up racking up a 4-5k bill, but I am now sitting on enough points for 4, rt tickets to europe. I can usually earn 1-2 rt tickets a year. Ive noticed that people who say credit cards are bad are usually irresponsible anyway with their money. They probably racked up a few grand in CC debt and then they ended up making the minimum payments for a few years to finally pay it off. Of course credit cards suck when you use them as a long-term loan with 25 interest. 