I basically just use it like a debit card since I get 1% cash back from it and pay it off every week. Credit card debt is kinda stupid and completely avoidable but credit cards have great benefits and build credit so it's good to have a few.
Yes. Credit Cards are a necessity if you ever want to own a house. I use mine for basically everything. I never spend anywhere near my limit. If I did I would be broke. I pay my bill off each month no problem.
I have a debit card but I won't touch credit because I value financial stability.
Do you ever want a mortgage? A significant credit history and high credit score is required for that. All it takes is a little discipline, and you don't even have to use them.
Yes. Credit Cards are a necessity if you ever want to own a house. I use mine for basically everything. I never spend anywhere near my limit. If I did I would be broke. I pay my bill off each month no problem.
you paid them all? Or you use the credits system that the bank provide? Like you can pay it for 3, 6, 12 months ??
I have a debit card but I won't touch credit because I value financial stability.
you're going to need one eventually. I was just like you. It all boils down to self control. I'll use it and then pay it off with my debit card right away so I can build a good credit score. I never feel the urge to use it even tho they keep expanding my limit to tempt me. I am not fazed at all lmao. I've seen too many people go into debt bc they use it like free money.
this thread reminds me that I have a payment to make for a few grocery items I picked up a few days ago. Lemme go get on that
I have a debit card but I won't touch credit because I value financial stability.
but wealthy people use credit card because they value the mobility and usefulness of CC, and as someone said above, all it takes is discipline , discipline to pay your debts monthly.
