he'd always gripe about me using my credit card to buy stuff.
I use credit cards all the time for the cashback and rewards. Even have specific cards for gas, take-out, groceries, etc. Used to churn for a bit, but I stopped since it was getting too time-consuming. As long as you pay the statement balance every month, the interest APR is irrelevant.
That said, I do agree that credit cards will make you more prone to spending, since it's abstract numbers in a computer and not physical cash disappearing from your wallet. But these people usually use a debit card, which is just as bad if not worse.
I use credit cards all the time for the cashback and rewards. Even have specific cards for gas, take-out, groceries, etc. Used to churn for a bit, but I stopped since it was getting too time-consuming. As long as you pay the statement balance every month, the interest APR is irrelevant.
That said, I do agree that credit cards will make you more prone to spending, since it's abstract numbers in a computer and not physical cash disappearing from your wallet. But these people usually use a debit card, which is just as bad if not worse.