Credit cards are not good or bad. They are a tool. The result depends entirely on how you use it.

  • Carrying a balance at 20%+ interest destroys wealth.
  • Spending more because swiping feels less real than cash is a trap.
  • Paying only the minimum is the slowest path to debt freedom.
  • Pay the full balance every single month. No exceptions.
  • Earn cash back on spending you were going to do anyway.
  • Build a credit history that gets you better loan rates.

Never spend money on a credit card that you do not already have in your bank account.

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