tag:blogger.com,1999:blog-6289477140035004706.post623698922072574870..comments2009-09-16T08:55:29.206-05:00bObnoreply@blogger.comBlogger1125tag:blogger.com,1999:blog-6289477140035004706.post-1100691986360101952009-09-16T08:55:29.206-05:002009-09-16T08:55:29.206-05:00i think it has to do with knowing yourself. since you have never had a credit card, this may seem foreign to you, but if you consider the credit card "just another debit card" with the added responsibility of paying off the credit card before interest kicks in, it is possible to be responsible with a credit card, reap the rewards, and not worry about the interest rate. i don't even know what the interest rate on my CCs are because i have never paid a dime of interest in the 10+ years i have had a card. the CC company will make money off the merchant fees but not off me. i keep track of my CC balance daily to weekly and pay it off just as often so my checking account never looks inflated. it is possible, but as you mentioned takes discipline.JChttp://www.blogger.com/profile/07713773653859378192noreply@blogger.com