I've never seen this discussed here but I'm sure some of you have experienced trying to explain the benefits of using credit cards for getting miles and points.

It is extremely frustrating how people won't even hear you out before they start to chime in and talk about how bad credit cards are. Some of the common reactions are:

* yeah, what's your interest rate? They must be making a fortune off you.

* I'd never pay an annual fee on a credit card.

* I'll just use my debit card or pay cash. If you don't have the money you shouldn't be buying things.

I've tried to explain how the balance is paid in full and therefore no interest charges. I've also told them how I earned the companion pass and have buy one get one free tickets for nearly two years. Some people I know are stupid enough to buy extended warranties and I've told them using a credit card extends warranties for free. Other people are concerned about using how using a credit card everywhere increases the risk of fraud but yet they have no problem swiping their debit card to get a pack of gum. Most of the time people look at me like I'm crazy or full of it.

I usually don't waste my time trying anymore. It's not worth it.

What's your experience?