> A credit card when used properly is not a spawn of
> the devil -- it is a useful money management tool.

I use credit cards in the same way you do. All my spending goes on it, and it is automatically paid in full every month. I never pay interest and I can get cards with loads of benefits and extras and not care that they have a high interest rate.

Because I rarely carry more than about £30 cash, I carry three cards, one of each type, just in case there is ever a problem; and it has saved me from embarrassing situations in restaurants more than once. Of course when I call the card issuer later, they claim never to have received the request.