Student loans
If you have a hard time paying your federal student loans, there are still many options. Some of them might include an income-based repayment plan, deferment, and even possible loan forgiveness. Paying your student loan debt with your credit card will definitely increase the amount of interest you will pay on the debt. It doesn’t matter if you get a zero-percent introductory credit card offer, as it will expire over time.
Retail therapy
Did you have a bad day and feel that buying a new piece of clothing might cheer you up? Good for you, but make sure you don’t pay for it with your credit card. This way, you’ll make sure you didn’t let your card balance completely spiral out of control.
What do you suggest using your personal credit card on?
So what the hell do you use your card for?? You’ve eliminated almost every normal expense or enjoyment of any everyday JOE. Granted I agree with half of your suggestions but enjoying an evening out with your wife? She deserves a nice evening out!!!