I understand Dave's hatred of credit cards, but completely disagree with it. It's pretty easy for somebody like Dave Ramsey to say credit cards are the spawn of Satan and sound logical when the people calling into his shows are 200k in credit card debt.
Meanwhile, those of us with brains that pay balances in full at the end of the month continue to enjoy the benefits of credit over debit - building history, rewards, convenience, insurance, and safety.
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