We dont use cc unless we buy something from the internet, then pay it off when our bank is open, I transfer the money to the card
We have no credit cards.
I use credit cards much more than cash, but pay them off in full every month. I never carry a balance on any acccount and never have. Even when I was younger, I never charged more than I could pay off when the bill came. (Parents brought me sharing that advise and I've followed it always.)
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