>>>However, I don't like to carry too much cash, so I like having credit on that basis alone.<<<
In that case, you should consider having a checking account debit card..... that way you can't spend what you don't have and also eliminate paying any interest on the purchases you do make.
Register for free to join our community of investors and share your ideas. You will also get access to streaming quotes, interactive charts, trades, portfolio, live options flow and more tools.