A little OT, but I decided last year to go to a "credit paid off every month" model. In fact, it turned into "credit card paid off every day" model pretty quickly. If I use a credit card, I usually transfer the funds to pay it off that night or the next day.

I would not have said that I a problem with credit cards - I haven't run up more than 10% of my credit card limit (i.e., $2000 on a card with a $25,000 limit).

But has still been very, very nice to have a $0 balance on my cards.