Dave would say dump the cards for people who use the cards to live beyond their means and then get into debt problems. We’ve been using our cards for almost 100% of our purchases for 20 years, and have never carried a balance or paid a penny in charges. A simple question of discipline: don’t buy if you can’t afford.
He also says “play with snakes, expect to get bit”
You may never get any of the horror stories people have had with credit card companies. But as you see here, they don’t care, they are misused, and stolen, and abused.
So for you so far it has been good. Congrats! I hope it stays that way. For us, they do nothing but cause problems or take up energy to pay for it later.
Now I don’t worry about it, they can’t steal the numbers, I don’t have one. They can’t over bill or change the rules or due dates to get a fee, I don’t have one. They can’t open an account in my name, I have no credit history anymore so my FICO is “not on file”. I have moved beyond the need of them. You don’t have to do the same.
And Dave would still say Dump the Cards. To EVERYONE. Call his show and ask the man.