Had a long talk with myself about my credit card use

[SeaBreeze]

I use my credit card for everything, including supermarket shopping. I just tap the machine and it's done - no pin - it's called 'tap and go' - so convenient. Have no need for cash anymore as all bills are paid online, but still keep some at home for emergency.

I've never tapped. I swipe or insert for chip reading. I'm behind the times with all technology.

 

[Ladybj]

I complete agree, Murrmurr. I have still have credit cards I haven't used in years. Closing an account can lower one's credit score. Of course, that really only matters if you are applying for any new credit. I never know when I may want a new car, need a home equity loan, etc.

https://www.experian.com/blogs/ask-experian/will-closing-a-credit-card-hurt-your-credit/

I haven't used one of my credit cards in soo long, they closed my account...lol. It did not lower my credit score being that I did not close out my account- I did not mind at all. I used one of my cc about 2 weeks ago just to keep it active but I paid it out before they had a chance to send me a statement

 

[OneEyedDiva]

If you're not careful, credit cards can be a financial train wreck. I have some but I try not to use one unless it's a dire emergency, then I try to pay it off as fast as I can.

Good luck!

It's true. Some people lose all control when they get a credit card in their hands. They are the ones the sage advice of taking advantage of credit card rewards will not work for.