Finally out of debt!

Meh, I know how much I'm spending with my credit card. Its for me, just way less of a hasle than a debit card. I get what I want, pay it off at the end of every month, build credit for future purchases and get a larger limit.

How is it considered a hassle to use a debit card?

I'm with you there.

Typing in a pin vs scribbling my name. But again the main reason I use a credit card is due to cashback that I get, even though its small still better than nothing.

Heh, both of those things probably take ~5 seconds, at most. But, I see your point. Personally, I've never messed with credit cards, nor do I plan on it. My credit is good enough as it is.. I've never been late on a car payment, rent, cell phone bill, etc etc.. so at least I think my credit rating should be okay. Not entirely sure how that works..

Well I don't have to pay any of those things currently. So its pretty much just car repairs/other small purchase that I make and pay off. I pay for tuition, phone, car insurence, but its all payed to my parents and they send in the final payment, so I don't really have any way to show those purchases.