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What's the best financial decision you've ever made?
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this post was submitted on 08 Jul 2023
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A lot of people are against credit cards which is understandable. But I use them almost exclusively and pay them in full every month.
As long as I don't go over whatever I have in cash, these credit cards help me in building credit score as well as provide a layer of protection should some person or site try to over charge me later.
It's not for everyone, but it worked for me.
While not always too significant, many credit cards also offer points or cash back. I do the same as you (use my credit card for practically everything and always pay it off), and can use whatever points I get to make small mortgage prepayments, buy gift cards, etc.
I solely use an Amazon Chase card. I buy a lot from Amazon and still get cash back to spend at Amazon when making purchases elsewhere. I buy the occasional game for myself at no cost and when Xmas rolls around I can buy a number of gifts with Amazon points.