Quote from: Lotus on Today at 09:15:22 AM

If you use a credit card with some sort of reward and never carry a balance, then it's a net positive tool. You gain interest on the delayed payment and you get the extra rewards on top.
If you can't control your spending, then a simple trick you can try is to just put equivalent money somewhere each time you purchase something, so you know you got it covered.

Very well said.

Credit cards are a tool. A great one. They are usually better insured/protected against theft too. In the past ~20 years most of my family's purchases were made through credit card, and we've never had to pay any interest because we've just transferred the missing money back in time. Lately we even get rewards that cover greatly its issuing cost too (and some extra).

Of course, if one is careless with the spending, credit card makes it too easy to spend much more than afforded and get into trouble. But blaming the tool or seeing it as a scam is wrong/incorrect.