I disagree... use the card with cash back for everything. BUT! Pay the balance off every month.
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You are doing it the right way. Research shows most are doing it the wrong way. I imagine most that are abusing CCs are younger and get in trouble because no one has taught the dangers and colleges give them away like candy.
End of conversation
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If you play the game right the cards pay you to use them, not the inverse. Pay the balance off every month!!
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Better yet... DEMAND that FINANCIAL RESPONSIBILITY be taught to students in the schools We the People pay for. Economic Ignorance and other people financially irresponsible behaviors cost We the People BILLIONS!!!!
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One of the reasons they want to get rid of cash.
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So the federal reserve is like the government's credit card?
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Or learn simple arithmetic and don't spend more than you earn.
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