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Message: <blockquote data-quote="Hangfire" data-source="post: 4231131" data-attributes="member: 27673">We carry credit cards just in case we are out and about and need them for something or if we order something online but as soon as the bill hits the mailbox it gets paid in full.Got a letter in the mail from the card company a couple of years back informing us that they reduced our card limit by 10 or 15K because we weren't using it enough which suited me just fine.....it's still got around 20K on it which is way more than we need for walking around emergency money.</blockquote>