This will sound embarrassing to say, but I have never used a credit card ever. Don't know how it works when it comes to interest and whatnot and, to me, it seems a bit intimidating what moves I need to make so that I don't get played at all when it comes to interest rate (I have good credit score though, mainly due to paying off my car in the last four years).
Although, after seeing that fraud charge on my account, I am thinking more about looking into getting a credit card and see what kind of perks is out there that intrigues me.