I use my Credit card only to buy online or by mail for things such as office supplies and the sort. And I don't buy if I don't already have the funds to pay the bill immediately.

I recently got one CC with no interest for a certain # of months, which I'm using for my CD production expenses. On this one, I'm paying the monthly minimum, as I get the funds in by selling the CDs. On this account I don't charge anything else.

But I do believe that for many, spending more is easier to do with a CC than with the actual cash in hand.