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.
This is what I do. I don’t use a debit card, but instead use a “credit condom” so that if someone steals my cc and uses it, I’m not liable. I also pay in full so I don’t have to carry cash and keep a healthy / active credit history.
My credit score is about as good as it can get, and I have no problems buying anything big ticket.
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.
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.
This is what I do. I don’t use a debit card, but instead use a “credit condom” so that if someone steals my cc and uses it, I’m not liable. I also pay in full so I don’t have to carry cash and keep a healthy / active credit history.
My credit score is about as good as it can get, and I have no problems buying anything big ticket.
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.