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Reply to "Anyone else not have any credit cards & why does it hurt my FICO score?"
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[quote=Anonymous]Agree with what other posters have said. I am conservative financially, buy cars with cash, have both my mortgages on 15 years and still pay more each month, and I use plenty of credit cards. I pay them in full each month so never incur interest. The rewards are totally worth it in my view. Last year I got $1000 back on my Costco Amex. Literally $1000 in cash. And I have a United miles card (free the first year, I am paying a fee this year) that gives me so many point boosts, combined with being a frequent flier, that I have gotten 200k miles this year alone (as in the first 5 months). In the past year I have used it for 3 international tickets and 2 expensive domestic tickets. So it helps my score (over 800) and gives me "free stuff". As pp pointed out, as a consumer you are paying for these benefits anyway so you might as well get them. [/quote]
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