Actually he does leave room for responsible use of credit cards.
He just maintains that it is very unlikely that one will use them responsibly.
What you have pointed out is an exception that does not prove anything.
Moreover, you have not proved that credit cards were the BEST means to handle your situation, only that you did use them.
But Dave's strategy is a poor choice for people who are financially responsible since it removes a useful tool from your financial toolbox.
He is not giving personal advice as a financial consultant, he is telling people how to get out of debt.
Your posts remind of someone who, when told of the health dangers of smoking, bring up their 90 year grandfather who smoked 2 packs of cigarettes a day for 80 years.
How do you reconcile that statement with his words:
Responsible use of a credit card does not exist....There is no positive side to credit card use.
Those don't read like the words of someone who "leave[s] room for responsible use of credit cards."
What you have pointed out is an exception that does not prove anything.
Actually, since Dave makes an absolute statement you only need to demonstrate that he's wrong in one instance to disprove his statement. If I said "moss always grows on the north side of a tree" you'd only have to show me one picture of a tree with moss on it's south side to disprove my statement. Do you see how that works?
Your posts remind of someone who, when told of the health dangers of smoking, bring up their 90 year grandfather who smoked 2 packs of cigarettes a day for 80 years.
And your statements and refusal to recognize Dave's own words for what they are remind me of cult members discussing their cult leader.
I don't care if you use credit cards or not. If you can't handle them then they're not the right thing for you. But just because you and Dave (and others on this thread) can't handle the tool doesn't mean other people can't. That's all I'm saying
Can't we just agree to disagree?