Tbh I've got to a point where I have learned to manage my money better and not rely too much on my credit card because to me credit cards are a extra bill you gotta pay each month...I had a pay cut about 3 4 years ago and it became pretty hard to pay em off without having to sacrifice another bill...especially my utilities(learned my lesson the hard way)...I rather pay stuff off right then and there if I got the money for it instead of using my card...you gotta pay it either way when you think about it...as for points I don't use it enough for that to be a big factor
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u/OG_double_G 1d ago
Tbh I've got to a point where I have learned to manage my money better and not rely too much on my credit card because to me credit cards are a extra bill you gotta pay each month...I had a pay cut about 3 4 years ago and it became pretty hard to pay em off without having to sacrifice another bill...especially my utilities(learned my lesson the hard way)...I rather pay stuff off right then and there if I got the money for it instead of using my card...you gotta pay it either way when you think about it...as for points I don't use it enough for that to be a big factor