[fortheDeclaration]

Yes, he believes it is irresponsible because MOST people will overspend.

And I stated that few people have the self-discipline to payoff their credit cards each month.

Ramsey is using common sense priniciples, that do apply to most people in most circumstances.

So, your appeal to your own circumstances do not discount his message at all.

And it is irresponsible to claim that they do.

[whd23]

Ramsey is using common sense priniciples, that do apply to most people in most circumstances.

So, your appeal to your own circumstances do not discount his message at all.

And it is irresponsible to claim that they do.

Not at all. Dave's position is black and white: nobody should ever have or use a credit card. Period. He leaves no room for responsible use of credit cards as a financial tool. All I've done is point out that they can be used by financially responsible people safely. If you feel that that doesn't include you, then by all means cut up your cards.

But Dave's strategy is a poor choice for people who are financially responsible since it removes a useful tool from your financial toolbox.