The wife and I each have one credit card. Her visa has a limit of $4000 and has nothing on it. She pays it off the day the bill arrives. I have a visa with a $10k limit and there's nothing on it. She pays it off the day the bill arrives.
I tend to use my visa for any purchase greater than $20 just because I find it more convenient to use (e.g. restaurants). Since the balance is paid off in full each month, I don't *think* it's hurting me.
I was thinking of switching to, or getting an additional, Mosaic Mastercard with Airmiles rewards just so that I can benefit a little more from my credit card use...
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