You Mr. Hogfather are a SMART MAN!! I never believed in credit cards either, but then my ex said that we just HAD to have one "in case of emergency...like if the car broke down on a trip". Then, after we got one, he comes home with a flippin' pet SNAKE! I asked him...so, how did you pay for that thing if you're so broke all the time? He replied, "with the credit card"!
When we got a divorce...I told him that HE was going to be responsible for all of his credit card debt (which was A LOT)! I still have plastic, but I pay it off in full by the time the bill even hits my mailbox each month.
Ya know sometimes I wish I had a credit card, but I'm glad I don't, keeps me out of trouble that way.
