Reply #38: With due respect, how

[Sherman A1]

would that differ from using a debit card. With your method you are spending directly out of your account (and I assume limiting your spending to what you can afford to spend) . With mine you are simply using another vehicle to do so. I appreciate that many people overspend on their credit cards for a variety of reasons (bad money management, unexpected expenses, job loss, divorces, health care issues, etc, which many are very, very real needs and I do not judge them for their decisions, I too was in a good amount of CC debt courtesy of my charming ex wife at one time). However, you can use credit cards wisely, game their system a bit and not overspend when you use them. If your method works for you, super! But, Credit Cards in and of themselves are simply a tool, they are not good or bad in and of themselves.