seqscan instead of index scan

Dear all:

Im having a weird problem here. I have a table w/ ~180.000 rows and I
want to select those where c > 0 or d > 0 (there only a few of those on
the table)
I indexed columns c and d (separately) but this query used the slow
seqscan instead of the index scan:

select * from t where c<>0 or d<>0;

After playing some time, I noticed that if I change the "or" for an
"and", pg used the fast index scan (but the query w/ 'and' was not what
I as looking for).

Then, I thought I could do the following:
Creating an index with the expression (c+d) and selecting the rows where
c+d > 0:
select * from t where c + d <> 0;

Again, this used a seqscan. Asking in #postgresql in freenode, somebody
told me to try to disable seqscan (set enable_seqscan false) and
suprisingly, Pg started using the index scan and it was -fast-.

Now: I've no idea why it chooses to use a seq scan instead of the index
scan (yes, I've just vacuum analyzed the table before running the
query).

Some more info:
c and d are both bigint. I've tried the queries casting the constant (0)
to bigint but nothing changed.

Im using debian's pg 7.4.1-2.

Thanks in advance