I hear you on the credit cards. I don’t mess with those either. I have an Amex for an emergency, but that’s the only one I have. I don’t use it. If I don’t have the cash to buy something I want, I’ll either save for it or I won’t buy it at all. Credit cards are a ripoff.
I use mine, but I pay for what I spend each month. My ex wife used to rack up credit card debt like crazy.
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