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Reply to "Anyone just not use credit cards at all? "
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[quote=Anonymous][quote=Anonymous]Agree that this isnt a credit card problem its a budget problem. Fix your budget, and it doesn't matter what form of payment you use. I almost exclusively use credit cardsa for everything. Ive never paid an annual fee on a card. I maximize points back in various categories and pay my balance on auto pay every month. I use cash to teach my kids about budgets though. They get cash monthly and we talk about prices and getting change and keeping track of your spending. But for an adult, paying with cash is weird.[/quote] It’s not weird if OP doesn’t have the self control not to overspend. Credit cards are for those with discipline, not for actually borrowing money. [/quote]
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