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Augen said:


Yes. I pay in full every month.  I never spend money I do not have.

Credit card offers convience of not needing cash on hand or dealing with change.


True, but my debit card offers me the same thing without using credit. Just pay right out of my account. I use credit card for emergencies only, and so far I haven't had to use one at all thanks to saving money for a rainy day.