on which I also received cashback. I'm using it almost everywhere to take advantage of it; it's not too much, but it's still better than nothing.
The trick with credit cards is to pay them always on time and to not fall into the trap of installment payments, buying things you don't need or can't afford and going into debt for several years in order to repay them.
Petrol and groceries are things you need, it's definitely OK. I'm talking about those small purchases like trendy clothes that you don't need, or something like sunglasses, just things that we want and don't truly need. Because if you can't afford to pay in cash, don't pay for that on credit. It would be a different situation if the person is rich.
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I understand your point, but I meant something different. I can also afford to buy expensive clothes or could have bought my motorcycle with my debit card, but instead, I prefer to use my credit card, firstly because of the cashback and, secondly, because I'm basically postponing the payment of the item or service I'm purchasing for a month. I know the latter sounds a little stupid, but it's purely psychological and makes no difference. We also don't have the credit rating that the USA has.
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Perfect, you understand my point. Some may disagree, but credit cards are a great tool if you know how to handle them and avoid getting carried away. Cashback rewards aren't that great in my case, but it's still a small bonus: 1% on all transactions, 3% on gasoline, and 6% at a few specific shops. In other countries, such as the USA, the benefits are great, and with some cards, you're able to collect miles that you can redeem for free or discounted plane tickets.
If you're able to cover the yearly cost of the subscription and use it as a tool to take advantage of interest-free installments and earn some money from the cashbacks, you're doing great management.