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Reply to "Anyone just not use credit cards at all? "
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[quote=Anonymous][quote=Anonymous][quote=Anonymous]I pay for everything by credit. Only the mortgage isn't paid by credit. Pay off the balance promptly every month. I get points. A lot of points. It's worth it. Haven't seen or touched cash in years. [/quote] I’m looking for people in my situation. Not sure why it’s worth mentioning this. This is basically everyone else. [/quote] What is your situation? Are you charging more money than you can pay off in a month? And you blame it on your commission irregularities? If you are high income, you just build up savings to smooth drops in income, and treat credit card like a debit card (ie on auto pay to pay off balance every month). It has nothing to do with stable job or not; people have drops in income for all sorts of reasons like job loss, illness, that’s why you have cash funds. [/quote]
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