@luv2organize, the big advantage to having a credit card, for me, is that it
provides a mechanism for me to build credit. I don't use my credit card for
everything, but I do use it a few times a year. I never charge more than I
already have in the bank, and I always pay my balance in full before I'm
charged interest. The thing to avoid isn't the credit card itself,
it's credit card debt. For some people, the easiest way to avoid the debt
is to avoid the card. I can appreciate that. But that's not the right
answer for everyone. Not only is it possible to be a responsible credit card
holder, it can be beneficial.
Such a goofy article. Did you know that you ultimately spend more using a credit
card then using cash? That alone is reckless spending! Go with cash or debit
cards. Use a budget. Avoid the credit card companies and big banks that truly
DON'T have your best interest at heart!
Article: ‘Having a credit card doesn't cause reckless
spending’...Unless you're one of the quoted percentage for which it
does cause reckless spending...