Or get the best of both worlds: buy now and always pay off your full credit-card bill so you never pay interest and get, in effect, a free short-term loan.
I've made thousands of dollars in cashback and rewards from my credit cards without ever paying a cent in interest. That's the main value proposition of credit cards for people who never carry a balance.
I have operated under this model for about 10 years now as well. But there was a recent Atlantic article that gave me pause: those rewards are exactly the results of credit card companies’ usury, extracting money from other people.
It just doesn’t seem ethical to me (for my parameters) any more. :-/
