Credit Cards

[ROCKETW19]

I was always told if you make more than the minimum payment, it helps your credit. Ive been doin that for every single CC payment, car,etc...all i know is my credit has got way better in last few years, and thats really the only thing ive done different

never go over half of your credit limit. pay more than the min and always use it.

[ROCKETW19]

I never use credit cards for anything. I always use my bank debit/credit card. I always received points on my purchases which I could cash in for lots of different items. As of just recently you only receive points on select purchases. I’m thinking of switching to a regular credit card if the point system is better. I really don’t care about the interest rate as I will pay it off in full every month. Just looking for the best points/benefits. What do you guys use?

I pretty sure you still pay interest even if you pay off the end of month. say you buy something today and bill comes 30 days later they charging you interest I am pretty sure.

I use cash or debit card so not positive but it makes sense to me

[Scrumhalf]

No, you don't pay any interest if you pay the full due amount on time. You basically get an interest-free loan for 30 days. I have my cards to auto-withdraw from my checking account automatically on the due date. Easy as can be. Total no-brainer in my book.

[MattG]

Im sketchy about using my debit card, cant even remember the last time i used it for a purchase. Figure not only could somebody wipe out my checking, but my savings as well cause its linked to my checking for overdraft. Id rather somebody put a couple grand on a CC if anything got stolen...better than all my bank account

[Ashoprep]

Some people use their cards for everything, including bills, which can add up to a lot of money.