As far as making life easier, here is how it helps me: 1. Spending statements at year-end for tax purposes. 2. Miles for travel, I get a few trips per year 3. L

As far as making life easier, here is how it helps me: 1. Spending statements at year-end for tax purposes. 2. Miles for travel, I get a few trips per year 3. Lower mortgage/car rates due to good credit Unfortunately, this is the only way to prove it (that I know of) - have credit and know how to manage it.