I will admit that I do this

I have a southwest card and use it for everything to get the credit for traveling to see family. But, I am super disciplined about it. I have not paid one cent in interest in two years. When I charge something to the card, I go on that same day and transfer the amount that I spent from my checking account. The things that I know are coming up, I pay even before they are charged to the card. So, for example, the phone bill and the daycare bill have set amounts and I know what day that they will be charged. So, in other words, I am treating it like a debit card.

But, don’t do it if you can’t do that. And, don’t do it if you think that you’ll spend more to try and get to the 2 thousand dollar limit. Since I’ve had mine a while, I don’t need to reach any limit. I just take advantage of being able to earn the points by using it for day to day purchases. The only thing that really bugs me is that I have a fee, but it is not as much as the one you mention. I think that I pay 49 dollars a year, but maybe my next fee will have gone up. I think that I saved about 600 dollars in ticket fees last summer.

This is NOT DR endorsed. He would say to run the other way because so many of us have these issues because we cannot control spending. We see a credit card as available money to spend. If you would see it that way, then don’t do it.