First and foremost, this article is only for those who are financially responsible. Credit cards shouldn’t be part of a financial strategy conversation unless it’s proven that bills can be paid without paying overdraft fees. That being said, credit cards can be a powerful tool if you know about them and know how to use them properly.
Originally, I was in the camp of taking a scissor out and cutting up my credit cards and of those around me who were willing to do so. Since digging a little deeper into the subject, I’ve found that there are many benefits to using them in an effective manner. Piling up travel miles and reward points are extremely valuable. Who wouldn’t like a free ride to a weekend getaway or what have you?
