In the personal finance world, I feel like all I read are posts about ditching the credit card and shifting to an all cash world. I’m not going to deny the potential downside of credit cards (or the upside of cash), but I just can’t stop myself from laying out all the benefits of doing the opposite – exclusively using a credit card instead of cash. The only important rule you have to remember with this method is that you have to pay off your full balance every month. But if you can do that then you can seriously improve your finances. This is what I do and I’ve never had a moment where I regret it. In fact, I think it’s the smartest way to manage your money.