I use credit card for paying the bills as those bills are coming on the odd days of the month which is 20th of the month. For which I use credit card which has this pay it back later system with zero interest enabled. But the thing is that instead of paying back on time, for some reason bills continue to pile up. I used to be die hard opponent of credit cards but now paying municipal bills using cards. Time does make you change.
Change for the better? This is the problem with credit cards. If not paying the total off in the "interest-free" period, the interest will be paid on the entire amount borrowed. This means that it can slowly keep creeping up, until it becomes another bill that needs to be paid.