Quote:
Originally Posted by jIM_Ohio
Do not have credit cards. Pay off CC balances in full each month.
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Jim, I absolutely use credit cards extensively and pay them off in full each month, but I also understand that there are people who simply can't do that. They don't have the self-control to not overspend when given a card and it is best for them to not have one.
So again, general vs. specific advice. I disagree with the general advice to not use CCs but I would agree with that advice in specific instances depending on the individual.