dwright1542 t1_iydra10 wrote on November 30, 2022 at 5:24 PM

Reply to comment by exstonerchick12 in Help! Drowning in debt. by nah_just_ocd

That's interesting. I was credit-adverse for YEARS. When I learned how to manipulate the system though, plastic became a HUGE asset. I run EVERYTHING thru it now, and accrue points. Those points have paid for Home Depot gift cards (when Amex runs the 20% off sale) plane tickets, etc.

exstonerchick12 t1_iyerzig wrote on November 30, 2022 at 9:18 PM

Credit is amazing if you know how to use it to your advantage. Good on you 🙌 Personally, since I have quite a past with my cards, I can’t risk using them as often as someone in your position might. But I’m with you on the points when you can get them. The only card I use regularly and carry a balance on is a travel points card.