You Do Not get thousands of dollars “given” to you!
Your spending on credit must be phenomenal for that kind of return!😟
It’s a joke how people lambast folks who use debit cards but run up thousands on credit!
Here’s an idea .. purchase what you can actually pay cash for!😮
With a debit card .. you can’t Overspend even if someone steals the cards access!
With a credit card, it’s possible to dig a hole so deep you can never climb out of and at the same time .. destroy the “credit” you’ve always depended on!🥴
We have a separate account with a debit card and a balance less than $500. No fees, no credit company access. Kind of like a pre-paid card.
I pay my card balance every month, I pay no interest. I get 1-5% back on every transaction depending on the type and which things are paying 5% cash back at the time. Typical 5% cash back happens with gas, eateries and department stores for 3 months at a time.
Debit card are the Devil, do not let the bank give you one!
I only spend what I have, I pay my credit card bill in full each and every month and have never paid a dime to them in interest. I am not sure how anyone can lose track of what they have in the bank, all your bank information is there on your phone now. If it helps, simply pretend that some number other than zero is actually your zero. Figure out what you typically spend on your card each month. Then add a number on top of that for safety padding. And that’s your zero. So even if you overspend a bit, you only go into your padding a bit and never get anywhere near zero.
Yes, I spend over $10,000 a month on my credit card, but I put all my personal and business expenses on them including my utility bills and insurance.