Some people honestly just don't know much about credit, except to be afraid of it. I spoke a while back about a friend who *almost* made it to 30 without a credit card. Can you imagine that? Now, he's a homeowner, very financially responsible, good job, the works, but was raised in the "debt is bad" mindset and thought just having the card = debt. It was when we went on a trip together that I converted him. I handled some flight perks (yay status...my last year probably, though
) and a free hotel room so he agreed to get the rental car. I wait, wait, wait, and then go in to see what the heck is taking so long. Found him arguing about why he couldn't rent with a debit card. I was floored. I'm like "dude, you realize that you need a card for this, plus it covers your CDW, right? What the heck, man!" Fortunately it was all squared eventually but I sat him down when we got home and was like "RIGHT NOW, PULL YOUR REPORTS AND SCORES AND WE ARE GETTING YOU A CREDIT CARD!" He still won't use the darn thing unless I'm out with him and grill him about how long it's been since he used it, but I think he's slowly warming to the idea of having an actual credit card. Heh, he was even surprised to find out that, with how much he sees my credit card (I'm a points, erm, "professional of a certain type"...yep, the type to pick up any cash tossed on the table and put that part of the bill on my card), I don't carry balances. I had to show him my annual statement that showed tens of thousands of dollars in charges and zero interest to get him to believe me.
So, you know, sometimes you just have to say "bless your heart" and try to help inform people.
Also, here's a trick for you points "professionals" that dine in groups. So, now you've got $300 in cash (and delicious, delicious points), what are you going to do with that? If you have a local bank, the answer is, of course, go deposit it. But I don't have a local bank. However, I do have a store in my neighborhood that sells money orders for $.50. So, if I get a big wad of cash from a group dinner (I need about $50 in cash a month...probably less now that all the cabs in the city have to take credit cards), I go buy a cheap-o money order and mail it to my bank.