"I've never paid a dime of interest " - no way either of us to prove but I call BS on this.
and let's assume you really have't paid interest ever, if you are getting most of those service features you list; you ARE paying for them and likely at a higher rate than normal, especially in cases (most) where such services are needed.
I also guess you read nothing in my post.
i use it for are instances where I would normally pay a bill with a check. I did not say anything such a major purchases.
don't even try referring to bonuses, cash back, points or mileage, etc as the user more than pays to get those "features", they will get paid and MORE in the long run and the customer isn't saving anything.
I am not claiming it's smart or not smart to never have a credit card, but it's obvious you have bought in to their tool of choice. but it is your money..