💳 Do you use credit cards?

Or do you stick to debit?

There are a few loud voices in the personal finance space *cough cough Dave Ramsey* that are vehemently anti-credit card.

And while I do understand where they're coming from, I firmly believe that (when used responsibly!) credit cards can be a powerful tool.

I use credit cards for almost all my expenses. I have no credit card debt, my credit score is over 800, and I've never paid a dime in credit interest.

But as always, please do your own research before making financial decisions. This is my personal experience with credit cards, not financial advice!

*Average credit card interest rate stats are as of Sept 2024 (source: LendingTree)

#creditcards #creditcard #debtfreejourney #debtfree #personalfinance