Comments on: Credit Cards – Yay or Nay? http://www.countingmypennies.com/2008/01/07/credit-cards-yay-or-nay/ Thu, 09 Sep 2010 14:06:43 +0000 http://wordpress.org/?v=2.9.2 hourly 1 By: Red http://www.countingmypennies.com/2008/01/07/credit-cards-yay-or-nay/comment-page-1/#comment-12867 Red Mon, 28 Jun 2010 22:18:45 +0000 http://cmp2008.wordpress.com/2008/01/07/credit-cards-yay-or-nay/#comment-12867 I think there are people out there - like you - who can handle credit cards and make them work for them. I couldn't do that three years ago. I've got a handle on my finances since then, have paid off all my credit card debt and now use a strict monthly budget for all my spending. Could I use a rewards card to its full advantage without getting in trouble? I'm not sure. My past experiences have made me very insecure about credit card usage. I often thought of credit cards as "free money" and never had a plan for paying them back. So, like you said, they work for some people and don't work for others. I'm pretty in love with my cash-only system for now. :) I think there are people out there – like you – who can handle credit cards and make them work for them.

I couldn’t do that three years ago. I’ve got a handle on my finances since then, have paid off all my credit card debt and now use a strict monthly budget for all my spending. Could I use a rewards card to its full advantage without getting in trouble? I’m not sure. My past experiences have made me very insecure about credit card usage. I often thought of credit cards as “free money” and never had a plan for paying them back.

So, like you said, they work for some people and don’t work for others. I’m pretty in love with my cash-only system for now. :)

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