I just have a debit card. Most of the convenience, less rope for me to hang myself with.
“There are two novels that can change a bookish fourteen-year old’s life: The Lord of the Rings and Atlas Shrugged. One is a childish fantasy that often engenders a lifelong obsession with its unbelievable heroes, leading to an emotionally stunted, socially crippled adulthood, unable to deal with the real world. The other, of course, involves orcs.” ~ John Rogers
I think between us we have 7 separate accounts. Of course we don't use all 7 all the time. 3 get used all the time and paid every month, my husband has 2 corporate credit cards as well. Personally, I love them. I put every daily expense on them, pay them and that's it. It's much less hassle and my household finance software knows exactly what is being spent where. I take $200 out of the bank once a month for any cash needs that arise.
I like to rock n' roll all night and *part* of every day. I usually have errands... I can only rock from like 1-3.
Two. I rarely use them. This month my bill for one of them was zero, the other had a recurring bill payment on it and a tank of gas. I prefer to use my debit card. The credit card has no particular convenience to me, except for things like online shopping.
Two. One for personal use, one for business travel.
Hope is the denial of reality. It is the carrot dangled before the draft horse to keep him plodding along in a vain attempt to reach it. We should remove the carrot and walk forward with our eyes open. -- Raistlin Majere