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Definitely pay the credit card off. But use it. Certainly, one can be responsible with a credit card.
We use Discover for almost everything and get a nice bonus that builds up. There's also another one (MC?) we use that gets pretty good points too. We then use the points to buy $50 gift cards to places we use...and only pay $40 for the card! What a deal!
We use Discover for almost everything and get a nice bonus that builds up. There's also another one (MC?) we use that gets pretty good points too. We then use the points to buy $50 gift cards to places we use...and only pay $40 for the card! What a deal!