Good points Greg. I guess if you are in a strong position to demand/only accept cash, then good for that business, but for one of my businesses I would lose sales if I did not accept credit cards/AMEX.
And there was a day when I definitely should NOT have been putting car mods on my credit card but I did it anyway cuz its a disease man!
And your point about higher FICO score because of carrying a balance is one I have been told is true and well documented. It's why I keep a small balance on my credit cards at all times to keep the ratios all in line that the credit reporting agencies use to determine your "creditworthiness"..
Good talk, Russ.