First of all, let me mention that I am from the UK, so if you are from another country, there may be a different system. Here, if you pay off your spending on your card within 50 days, you are not charged any interest. This means that paying monthly would suffice. I have started using a card with which you gain rewards to pay for everything that I buy, and I will then pay it back ASAP. The rewards card that I have offers one penny for every two pounds that you spend, and then sends you vouchers every four months which you can exchange into different things that are worth more. Considering the average household spending a couple of thousand pounds per month, it is easy to see just how quickly these things can add up. For this reason, I would recommend it to anybody. Does anybody else use their reward linked credit card for day to day spending? I am very good with money, meaning that I absolutely know that there is no way that I would ever go above my credit limit. I write everything down, and pay things off as soon as I can. I never buy anything if I don't have enough money in the bank to pay it back with.