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by insane_dreamer
54 days ago
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Credit cards are a death trap, unless you use them as a debit card - as a convenience (and to collect points) not as a source of credit. I've had credit cards for 30 years. Use cards for all expenses when I can, have always paid the bill in full every month, have never spent a dollar of interest in my life, so I don't even look at the interest rate when getting a new card. I don't spend anything I know I won't be able to pay for at the end of the month (and yes, that does mean we've postponed purchases for months or even years). But the allure of buy now pay later is pushed so heavily that it's hard for many people to resist. |
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