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@Anonymous wrote:
I don't use my credit cards to pay bills. I know that a lot of people do that for the rewards, but for me, I always feared that paying my bills with a CC was the first step down a slippery slope where I would never get out of debt and couldn't get my bills paid.
Don't ask me why, considering I topped out at about 28K in CC debt just from purchases alone, but I still wouldn't want to use a CC to pay a bill.
@Anonymous wrote:
@Anonymous wrote:
I don't use my credit cards to pay bills. I know that a lot of people do that for the rewards, but for me, I always feared that paying my bills with a CC was the first step down a slippery slope where I would never get out of debt and couldn't get my bills paid.
Don't ask me why, considering I topped out at about 28K in CC debt just from purchases alone, but I still wouldn't want to use a CC to pay a bill.
Personally, I would apply for a Chase freedom card to use for bills only. They have great rewards for paying certain bills. If you're worried about incurring unnecessary debt, cut up the card or freeze it. Whatever it takes not to use it.
That way, you get rewards for money you plan on spending anyway and when you make payments on the card, the good payment history will only help your ficos. If you have money set aside to pay your bills, I don't see how it could hurt you.
You should PIF when using a rewards card anyway, since the rewards cards usually have higher interest rates. Otherwise the interest will eat up what you earn in rewards. Another incentive not to have a revolving balance on the card. JMHO.