“Anyone who uses a credit card as more than a convenience is a fool. If you pay them off monthly when they come due they are a great convenience and you can get some nice perks.”
AMEN. We have NEVER paid interest on a credit card.
I won’t have a card that has an annual fee nor one that has a charge on each purchase. The card companies get fees on every purchase paid by the store. That cost is built in to the price of everything you buy anyway. Why should I pay twice for the use of the card.
Also a warning to everyone not to use the credit card checks that they send along in your billing envelope. They are a major scam.
They will start charging you interest from the day you use it. Shred them the day you open the envelope.
DO NOT under any circumstance throw them away un-shredded. Anyone could take them out of your trash and use them and you will be billed.