I used to be the other way after years of being in a cycle of revolving debt. Whenever I was at the register and saw someone pay for something trivial with a credit card, I'd assume they were just broke and didn't have money in their bank account.
The concept of PIF was completely foreign to me even many years after getting my first card. One of my good friends tried to explain the concept to me one time and my response was, "so what's the point of paying by credit?"
Eh, I don't really judge.
My boyfriend is in the credit cards are evil club. I've been trying to get him to get his first credit card by way of getting a secured card but no luck yet.
@09Lexie wrote:I'll take door #2. Sometimes I find myself biting my tongue when I see people opening their wallet and pulling out a debit card. I am even more amazed when i see someone writing a check for groceries. I'm like, WHAT?!
Check?? They still have those?
Some of us also get points on our Debit. I used to, don't anymore...I use a mix. Personally, I am probably a 4...not that credit is evil, but I like living within my means, and I am way too tempted to spend more with credit.
Starting Score: EQ 679, TU 697
@navistar wrote:i have had credit cards for almost 8 years and i have always used my debit card. I never did any research to know what cards would benefit me and I had useless cards that i didnt care to use. I have yet to use any rewards points from citi diamond card and it is 8 years old. Some people just have other things on their mind and dont care to pre-plan how they spend their money and take care of multiple accounts.
But that's the thing - you're not "pre-planning" anything to just use CC and pay the bill when it comes due. People who use CC wisely aren't spending money they don't have so there's not a "pre-plan" that's going on here. You're just using a rewards earning CC for things you'd buy anyways. For example, I use my Amex BCP for all my grocery purchases and I PIF when the bill is due. That doesn't mean that I'm having to "pre-plan" my purchases at the grocery store.
My DW is a combination of 1,2 & 4--she finds the mere act of thinking about revolving credit frustrating so she's the kind who has one CC and only uses it to check into hotels. I have, however, recently added her as an AU to my QS which we're gonna use for grocery shopping and joint meal outings (as long as I'm the one who's in charge of keeping track of it 
) since it made sense to her that this would be an easy way to track how much we spend on those two things.
<script type="text/javascript">// window.onbeforeunload = function() {} // </script>
