Really the only good thing about credit cards is it helps raise your credit score. I only use them for that to be able to get a decent apr on a loan.Otherwise i would never use them.

[–] Gigan@lemmy.world 6 points 1 year ago (2 children)

There are more benefits to credit cards, but if you don't pay them off every month pretty much all pros are massively outweighed by the cons.

[–] Sneptaur@pawb.social 4 points 1 year ago (1 children)

People are being stupid in this thread and downvoting you. Credit cards are designed to make poor people SUFFER! There are better ways to avoid starving

[–] Bluefruit@lemmy.world 5 points 1 year ago

Agreed. Food banks are literally designed for this scenario. They exist to help people put food on the table. Few scenarios actually require credit cards. No shame in accepting help when you need it. And you can always donate later when you're on your feet. You cant ever give back if you're dead from starvation.

I use my debit card for almost everything and use my credit card for small things to keep the usage low if i use it at all.

[–] Bluefruit@lemmy.world 1 points 1 year ago

True there are more. I just typically dont use it otherwise i would rack up more debt. Using my debit card is the best way for me to track my finances.

[–] uid0gid0@lemmy.world 1 points 1 year ago* (last edited 1 year ago) (1 children)

You gotta find a good one that gives travel rewards or something. We've had a few vacations with free flights because of ours. Of course you should only spend what you can pay off in a month but it still adds up

[–] TacoNissan@lemmy.zip 2 points 1 year ago

TRAVEL REWARDS??? We're in a conversation about people starving, and you're like "oh but this one gives you a free flight to Jamaica"