I essentially pay cash for everything. My cards just make things easy to order, take advantage of hotel loyalty programs, don't have to go inside to buy gas, etc. But my cards are paid off from my bank account every month. I don't pay interest.
I just seen where credit card debt is at a record high. Dave Ramsey says everyone should destroy their credit cards and use cash or prepaid debit cards. He says credit ratings are for suckers, they just suck people into more debt.
BTW, you haven't put any proof of your credit score up. Did you forget?





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