[jmjj215]

One thing we all should remember is that we're coming from different money backgrounds. Some of us are struggling, barely getting by, had parents who didn't teach us a lick about money, been bankrupt, are quite well off, have been harrassed by credit card collectors, have never spoken to a collector, just paid down 50k in credit card debt, never made 50k in a single year of our lives, are working on paying down the debt, float massive amounts of unsecured debt for the 'free money', invest in real estate using borrowed money, have never owned a home, lost a home to foreclosure, are looking to buy a home, etc.

All of these perspectives form different opinions - not right and wrong answers - just opinions.

So steve comes in and says for me paying cash works, and I come in and say for me cashback rewards matter. We're both maybe talking to the OP who asked about whether they should get a CC or not. It's up to the OP to take our input for what it's worth, weigh the perceived benefits/costs for their own situation, thank us for our infinite wisdom, and make a decision.

And we all go along merrily.