As Caleb Hammer says, some people are just NOT credit card people. What about you?

[Date_a_Snob]

[Friendlybro79]

I am about using a credit card for my benefit meaning it's paid in full and purposely used to gain card benefits. For ex I use it for stuff I can and will pay for next month in full. I don't buy something on credit if I can't pay it next month. Exception would be real emergency.

At the end of a year I get a grand in cash back and invest that money. I am making money by using a card. If you aren't this disciplined, which I imagine most are not, are using cards and paying ridiculous amounts of interest.

[DJB72]

If I can recover my credit score that took a beating in 2020 I'll go back to using a credit card instead of a debit. Spend the bank's money and clear it each month. It's cheaper.

[northerngal]

I would say no. Certainly not for the card companies. I use them for convenience and building up points only. I never have a balance and never pay interest... so I get all the benefits but none of the negatives. I am sure Visa hates me lol

[Date_a_Snob]

The idea of spending thousands of dollars just to earn a few hundred rewards points seem ludacris to me

[northerngal]

Oh the points add up very fast when you use your Visa for all your purchases... like groceries and fuel and such. But the trick is to also never carry a balance on my card. So when I can i immediately pay it off from my regular account. I get at least 2 free trips a year this way.

[northerngal]

Oh and another benefit is I get a statement of all my purchases making budgeting and tracking spending so simple.

[Date_a_Snob]

at the end of the year, I redeemed all my points for the year... I just barely had enough points for a $25 gift card

[Dinklex3]

I love my credit card. Rewards are actually usable & count towards what I do/buy.

As long as you don’t buy things you know you can’t afford, they’re fine. I wish I got it sooner, but I believed all the negative talk which made me afraid.

[SotiCoto]

Never had a credit card. Never will.
I don't know why anyone would, honestly. They're such an obvious trap to put people in debt. Why would anyone be so stupid as to get one?

[Date_a_Snob]

your obviously smarter than 99% of the population

[CindyRuns]

I rarely use cash... $100 from the ATM lasts me months !!!

[Date_a_Snob]

do you use your credit card for most purchases than?

[CindyRuns]

A mixture of credit and debit cards.

I use the credit card most of the time and pay it off completely every month.

When I'm shopping at a small business, I'll often use my debit card since the processing fee for them is lower !!!

[Date_a_Snob]

supporting small businesses is important

I realized Im not a credit card person. It's too easy to spend on my credit card if something comes up, even if I dont have the money to pay for it in my account

[RebelinSteel]

I rarely use my credit card, I do however always use my banks visa debit card. I have not carried cash regularly for about 10 years.

[jamesgoldman]

Mine were cancelled for inactivity, I used them in the pandemic to buy joblots of gold that would arrive, be filtered for better pieces and to pull stones then sent to the refinery to make money

[exitseven]

I have two credit cards. One I use for big purchases and the other I use for online purchases. I pay them both in full every month

[LadyBecks]

I use my debit card much more, or try and pay cash when I can.

[zayndan]

How else would I be able to shop online? Not all of us live in America

[aengus27]

I'm not. I'm really opposed to the idea of going in debt. It just makes my skin crawl

[aengus27]

For clarity, I use a debit card so I only spend my own money

[LiamJHayden]

I use rewards card for all normal purchases and pay it off before any interest accrues. In this way I get a percentage back on things I would be purchasing anyway.

[Sharkstealth]

We used to recieve high interest. Now we have to use a credit card to earn money.

[Date_a_Snob]

sad but true!

[MrDaveAPSI]

My cousin, who works in oil, doesn't need credit. He literally does not have a credit card, because he's pretty much set for life

[Catutigernos]

I buy something if I need it. I do not buy anything for points or miles. I don't like carrying cash. I use my brain before using the credit card

[Bklynbadboy12]

He's wrong I use mine and keep my cash plus you get cash back

[paledreams]

I never want one :P

[Date_a_Snob]

I wish I never got one

[paledreams]

Lol seek financial advice 😁😋

[paledreams]

From a helpful financial planner, not me lol