We have an Alaskan Airlines card and put everything on it and pay it off every month. When I went to buy a car five years ago I intended to pay for it in cash but I was momentarily balking from taking all the cash out at once. Bank of America which has the Alaska card refused to give me a loan. Even though we put a couple of thousand on it a month and pay it off early and entirely..... nope, nadda. I basically had no credit history. So it was a good thing I financed the car for a few months just to get my score back up. Am I planning on purchasing a big ticket item, no but it is the principle of the thing. I could not believe I was turned down when I had the cash many times over and nothing negative in my history. Not carrying debt is considered a negative. Jeeeez Louise.