I too use a card for most purchases and the rebates are nice, but with the caveat that I always pay off the balance [as several here do] and so avoid the interest fees. Interest on CC balance will easily exceed the rebate and that's where the under-writers make their profit. It appears from reading the responses that everyone here who touched that aspect pay their card in full when due. That puts you in the minority of users and also makes it financially sound for you.
The second reason I rely on a card so much is that the billing cycle allows me to hold my money for 30 to 60 days beyond the actual purchase. Use of cash can't do that. In fact, when I recently ran up a pile of vet bills, the specific card I used had deferred interest for 6 months. That equals a 0% loan.
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Today's Featured Article - 12-Volt Conversions for 4-Cylinder Ford 2000 & 4000 Tractors - by Tommy Duvall. After two summers of having to park my old 1964 model 4000 gas 4 cyl. on a hill just in case the 6 volt system, for whatever reason, would not crank her, I decided to try the 12 volt conversion. After some research of convert or not, I decided to go ahead, the main reason being that this tractor was a working tractor, not a show tractor (yet). I did keep everything I replaced for the day I do want to restore her to showroom condition.
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