I’m a #DaveRamsey devotee, his common sense approach to managing money is flawless and exactly what everyone in the US needs!
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CC are great when you can control your spending. Borrow money interest free for a month, then pay off balance monthly. I receive points for its use & just booked two domestic trips for free. When used wisely, they can actually pay you for using them.
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This is off the subject, but bitcoin supporters are pretty savage when you criticize bitcoin.
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I had to get a credit card because my credit score was suffering for not having one. The only debt I carry is the mortgage on my house. You can't escape....
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Excellent credit scores lead to many 0% interest credit cards offers. It’s smart financially to charge and pay off over time if it’s interest free.
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I had 4 credit cards in my 20s. Now I'm 43 with only a debit card. Some things you have to learn the hard way.
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I use my credit cards all the time and pay em off at the end of the month and get cash back.
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I pay mine off every month. We have done this for many many years now and the freedom is awesome!
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After college I had about 30k in credit card debt. I paid them off as fast as I could. Then, cut them all up. Haven't had a personal credit card in 20 years. One of the best decisions I ever made.
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