I’ve never had a credit card. I wonder if I ever will since I’m on your side on this, Brian.

Alright, this is great! We got The Digerati Life here to speak for herself! (I love your blog, by the way). Now all we need is John Chow. Thanks for stopping by.

All I can say is that you definitely have more self control than I do! Bless all of you that can have your cake and eat it too.

Thanks again!

HI I love your arguments here. Ok, so I wrote about how I absolutely LOVE my credit card since yes, I have never gotten into any trouble with it. And there’s the secret to card success — only use it if you know how, and have the money to cover all of the purchases you do make with it.

I agree with you completely that perhaps most of the nation isn’t quite seeing it this way but moreso as “free money”. Then yes, it’s the DEVIL for most people then. But there’s a subset of us who do reap great benefits from it from day one given the spending and usage habits we have.

Let me repeat: I don’t even bother checking the rates. They mean nothing to me. Fees mean nothing to me. I only care about the rewards. Since I don’t finance anything, I have no loans to worry about. So my recommendation is that only if you find yourself able to treat your plastic like you do real cash on hand, should you ever own a card.

But great points. I enjoyed your post.

Now that’s a good negotiator!

Good soup Brian. I must sadly inform you that you have not convinced me to give up my credit card, but I will continue to read your blog! Good deal?