[rarestia]

Been credit card free for almost 10 years now. I’ll never look back.

[AlexW]

“Been credit card free for almost 10 years now. I’ll never look back.”
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I agree, but it is advisable to keep a debit card, or an AMEX that you have to pay in full each month.
One never knows what emergency could require their use.

[9YearLurker]

Do you not order anything online? Travel with a need for a rental card? Buy electronics for which an extended warranty is useful? Like the ability to dispute charges if something wasn’t delivered right?

[from occupied ga]

I pay for everything that I can with a credit card now, and I never pay any interest because I pay it off in full every month. The credit card has several advantages:

1. I get 1.5% cash back
2. I see exactly how much I'm spending and on what
3. Some purchases qualify for an extended warranty
4. I can buy stuff on line without using the odious paypal

just to name a few. There are some people who shouldn't have a credit card. One of my wife's friends couldn't get the concept that credit was not the same as cash, and that borrowed funds had to be repaid. She's always whining about how broke she is, but stints herself nothing.