Do People Actually Pay This?

[GMScud]

CC companies are evil. My wife and I carry virtually no credit card debt month to month. We currently have a few cards that are still under the no interest for the first 12 months or 18 months window. When those windows close, cancel the card, find another zero interest introductory offer. We treat all of our cards like they're an Amex and pay them off in full each month. We're trying to buy a house next summer, so we're being crazy careful with everything credit related.

I'm sure in the future when I have house-related expenses and kids, carrying no credit card debt won't be an option, but for now we simply use them as a tool for building/maintaining good credit.