As I have said you can assume the risk if you want to.
I will not and will advise others not too as I get a chance.
I will not and will advise others not too as I get a chance.
Dawn53 is taking no risks at all. She has repeated several times that she uses the credit cards for purchases that she will pay off when they are due. In other words, she has the cash for the purchases. She just doesn't pay them during the purchase date. She pays them about 45 days later. In the meantime, that cash earns interest in her own account. And she also gets the reward points as well.
I use credit in the same way that Dawn53 and her family does, and we gain by doing so with no risk at all.
Anti-credit-card people may hate the credit card companies because they feel powerless against them. However, the credit-card companies hate people like Dawn53 and me because we have power over them.