More precisely: Don't use credit cards to carry a balance.
By not using credit cards, you're giving away 1–5% free reward money from cash back programs. Not to mention the additional purchase protection you receive from shoddy vendors, like bars padding tips.
By not using credit cards, you're giving away 1–5% free reward money from cash back programs. Not to mention the additional purchase protection you receive from shoddy vendors, like bars padding tips.