You've heard of Karma... it's like that... all the good things you've done to outweigh the bad things ... seeing as you've spent 0... you are either in deep trouble or live a faultless life ....
Haha. Nah, only use of credit card will be buying credits via PayPal should you feel such desire. I'm not sure if anyone has done that to date. I'm not even sure what the costs are. Have fun spending your credits. ;-)