For the past 10 years or so I started using my cc for everything I would normally write checks for, utilities, insurance, food, gas,property tax, etc. Each month I pay the balance the statement shows. Therefore I do not pay interest on the card, secondly, I get points worth cash, every 4 months I build up 350.00 to 400.00 cash value. I apply the cash to my cc card balance. In past 10 years I have paid Credit card company zero, nada,zip and they have paid me over 9,000.00 cash over 10 years.
Thought this might be worth mentioning, for the ones that are unaware. Whatever you buy on cc make sure you can pay at statement time.