I don’t have a credit card. I have a VISA debit card.
as Joesbucks said “I’ve got an emergency fund for emergencies.”
I don’t really understand having a credit card for emergencies.
Exactly right. Having an emergency fund with plenty of liquid cash is far superior to putting an emergency on a credit card. The worst time to go into debt is when you’re in the middle of an emergency!
Also, when your using a credit card, it’s easy to put “emergencies” like Christmas gifts (it’s the same date every year, folks), or ordering pizza because you’re too tired to cook (emergency!).