Originally Posted by mclark202

There, I added to your statement to make it correct.

I used to be all about "no credit cards". Then I learned that they can be great for someone that isn't using them for things they can't afford.

I pay for my daily purchases through my Capital One card. I no longer worry about someone having access to my own money through the use of my debit card. End of the month it gets paid off. Like clockwork.

I get 1.5% cash back for all purchases. This year I bought me a new gun from my cash back points. A new gun for spending habits that are not changed. Free money IF you are smart about it!