I understand the importance of living frugally and within ones means. However, shit is hitting the fan for a lot of people and even those who are responsible are having to get creative.
Are we counting on "The Great Reset?" The biggest FU to the banks, go down with the ship? With interest rates at stupid numbers and a financial collapse every 10 years, what the actual fu*k?
Whats the endgame?
Credit cards have security/fraud etc advantages over debit. Better to have one and just pay it off every month.
I do that just for the rewards. Build it up over the year and I usually use them for my yearly Nov vacation hotel
Yup, we're tracked so much anyway I'm fine playing that game and getting a little extra folding money in the process. Same for fuel rewards at Kroger.