Since the topic seems to have changed from Towers Easy Pay to the use of Credit Cards in personal financial management, I will throw this in.
As all have testified to, the Credit Card is best used when one pays it off each month. That I do, yet my wife and I use the CC to make almost every purchase. WHY?

Simply because we have both United Air lines and Continental milage-plus CCs. We enjoy several trips around the country each year practically free. Easy to send the CCs a check each month. Although I have retired-pilot passes on UAL, those are "standby" and today I'm too old to sit around and wait and frequently not be able to get a seat. In addition the United seniority is not honored on United Express with passes. Besides all that I have to dress up a bit moreso, especially if I elect first class.

Besides UAL does not have adequate trips out of Houston for them to have any open seats, especially when I wish to go.

Using a free ticket I can reserve a seat. I can go in jeans and comfortable dress for whatever I need at my destination. It's worth "free" [sm=biggrin.gif]

Any individual is in charge of his/her own financial planning, however if you elect my plan then maybe you can get a free airline trip to Muncie during the NATs this summer. Darn good reason to go, but please allow for time at the Museum. [sm=shades_smile.gif]