this post was submitted on 15 Feb 2024
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Having/using a credit card needn't cause you to pay a cent more than not using one.
If you just put on a credit card what you'd be buying in another way anyway, and then pay off your statement balance each month on your due date, not only do you not spend a single cent more (you'll never get charged interest this way), but you continuously build credit. The only difference will be that instead of paying for stuff the moment you buy it, you pay for all of your month's purchases all at once, at a later date.
I've never paid a cent of interest on any of my credit cards because I've done the above, and my credit score is over 800 as a result, today.
I get that and if automatic payments had been a thing when I was younger, I would have gotten a credit card back then. At this point, it's moot because I won't be working for the foreseeable future as I work with my daughter who is going through online school.