and I only use a CC all the time now because I get airline miles.

It's always seemed like a trap to me and I've preferred to just use my debit card. When I do use my CC, I don't spend more money than I have, and I pay it off in full every month. I'm fortunate to be able to do that, but I've never thought "Fuck it, I'm gonna buy this thing anyway. Ill pay for it eventually."