Maybe I should just get rid of my credit card?
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> -Rifty

Bingo!
Actually, I think it is funny that the only way to use a credit card is to pay off the full balance each month. In other words, you can only use a credit card properly if you don't need credit.

Most credit card victims don't realize that they are borrowing money at a very high rate. The best way to borrow is to belong to a credit union. Then you can go in and get a loan when you need cash without paying for the rest of your life. Credit unions don't have nearly as many fees and hidden charges as banks do. The fact that banks hate credit unions and have been known to try to make them illegal, is reason enough for me to use one.
How"I heart my credit union"ard