Seeing this post was like reading my own words.Originally Posted by Blue Apple Herps
Saying credit cards are evil is like saying guns kill people. Credit cards are bad with irresponsible people who live beyond their means.
Yeah, but those store cards usually carry ridiculously high interest. Not an issue if you pay off every month, but will screw you over if you carry a balance. So just be careful with those type cards. Though if your credit score is that high, you should be able to get a CC, maybe not the best interest or highest limit, but should be able to get one regardless.
Just a different side of the coin - I actually use my card for EVERYTHING. Literally everything, if I can use my CC, I use it. I do this because I get 1% cash back on all purchases and up to 5% on certain purchases (things like gas, groceries, airline tickets and about a dozen other types of purchases).
I pay the balance every month, so I'm never charged interest, and there's no yearly/monthly fee for the cash back program. I usually end up getting ~$75-125 back every year which is essentially free money.
Though before I had a cash back card, I'd only use it for online purchases and stuff where you had to use a CC.
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