You do not pay interest on credit cards as long as you pay it off by the due date. You are leaving money on the table by not using them. You should be getting 2% or more back on nearly all purchases. That adds up quickly. Having credit cards also helps build credit history which will be needed if you ever need to take out a loan or mortgage.
Yeah, I don’t do the whole credit card thing. I would rather not pay somebody 20 plus percent.
What I do instead is pay for things with money I actually have.
You do not pay interest on credit cards as long as you pay it off by the due date. You are leaving money on the table by not using them. You should be getting 2% or more back on nearly all purchases. That adds up quickly. Having credit cards also helps build credit history which will be needed if you ever need to take out a loan or mortgage.
I don’t particularly care about 2% when I get 15% by holding and using Monero instead of the dollar.