Dave, I Disagree With Your Thoughts On Credit Cards

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[_ZORDON_]

He just accidentally convinced me to quit smoking

[miniscus]

Dave and Graham need to have a face to face!

[ericlomma]

Had a credit card for 21 years, pay it off in full every month. Never paid a cent in interest. Not hard to be disciplined.

[jeremybilly]

Seen the title and said somebody about to get it 😂😂😂😂

[andresjimenez]

I love my credit card with 1.5% cash back. I pay it off every 2 weeks and make little money. Its a dangerous game for people who don’t understand.

[RunE]

Dave is great for the people that are financially irresponsible, people that don’t have self control should never have a credit card

[jcrowley]

credit cards are just another tool. And like any tools, you can get hurt if you don't use them properly and safely.

[cutlerylover]

Credits cards arent bad the same as guns arent bad, people are just bad, put a credit card into the hands of a good responsible person, same as a gun and no one gets hurt...Problem is people are not responsible individuals are...There will always be a few spoiled apples that ruin the bunch...

[TheMetalBison]

I have a credit card and used it almost exclusively for all my purchases, and then paid it off in full every statement. So I paid 0 interest and after about a year I had like $700 I cashed out from the points. Just saying.

[rons.]

The caller is 100% correct. Everybody is not an idiot devoid of self control. Love Ramsey, though.

[GamerNRetro]

Takes discipline. I was with Dave for a while but then realized I’m not the typical idiot who racks up 5 grand in credit card debt and am surprised it’s there.

[bryanburgos]

The ONLY thing I disagree with Dave is that paying cash hurts more than using my DEBIT card. When I have cash I usually just want to get rid of it, but when I see my checking account getting smaller that’s when my heart suffers 😂

[lonelywuffy]

I think Dave speaks for the majority. I use my credit cards to pay for EVERYTHING. But I do not carry a balance. I pay it all off at the end of the cycle. It can be done if you have the right discipline. The rewards can be amazing.

[Joshuastem]

Actually, the caller is not wrong. For those who are responsible enough to use credit cards effectively, there are many financial benefits such as sign up bonuses and rewards used for cash back or travel. Credit cards do not only have downsides. For people who use them responsibly, they actually only have upsides.

[giuliapacovich]

"I disagree with you, Dave"
"mmh.." 😂😂

[KofiO-vmpo]

🚨How Dave classically insult him by asking his age 😂😂😂

[sportsfan]

I would argue that looking through a month of credit card bills could activate more pain censors than a lot of cash or debit card transactions that can get lost or forgotten about. When I got my first credit card in my early 20s, I was more responsible than with my debit card because I hated seeing the monthly bill as opposed to little dollar amounts leaving my bank account..

[brucky]

This is Dave's opinion I completely disagree with

[vladalucardtepes]

Credit cards built my 800 credit score. I have never paid interest, I don’t carry cash and if I lose it I can cancel or lock my card. Every time I look for a credit card I make sure there is entry bonus usually of $350.00. Ramsey you are wrong on this one sir. Respect money whether is digital or paper and you’ll be fine.

[dr.bassmab]

“ How old are you ?” 🤣🤣🤣🤣
I am dying 😂😂😂😂 uncle Dave !

I use a credit card but I am in a tight budget that I follow with passion and heart.. I don’t exceed my allowance. I pay bills, groceries with my credit card.
I Pay everything on timely manner I don’t accumulate balances or spend more than what my budget says .. I love getting cash back on paying my necessities ( bills and grocery) .
Credit card is a good tool in the hand of a wise financially self control person ..
I totally agree with uncle Dave because there are people who can’t control themselves and their financial life is not well established yet