Why Can't I Use Credit Cards If I Pay Them Off Every Month

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[Sintu-gamer]

CRYPTO SCAM VICTIM ? As a Retired combat Marine I want to tell you that as what you are doing is just as important as any warrior on the battlefield. You are waging warfare against these criminals and terrorists on the digital battlefield. You are defending and protecting the most vulnerable of our society against these predators. Keep up the good work *TECH SAFE GUARDIAN*

[abdel]

When he says “you need to spend $1000 to get $20 off” is completely missing the point. I’m going to spend that $1000 regardless on bills, groceries, food, etc.. if I can get an extra $20 off then hey why not

[SonuRajotiya]

There is no doubt that you will rise fast at the apex of your career *TECH SAFE GUARDIAN* . Because you are a very intelligent, smart, hard worker and your work ethic par excellence. Keep going People like you take the IM out of Impossible by becoming PRO at tackling Problems. You Rock!

[CARS_VEDIO]

*TECH SAFE GUARDIAN* the best advice I can offer you

[starsky]

Getting $20 from spending $1000 with credit cards is better than getting $0 from spending $1000 in cash or debit cards

[mkirules]

I just got $570 back on my card that I never carried a balance on. If you truly pay them off every single month then they are no different than a debit card.

[davidw.]

I love how they completely ignored the question...there is no problem doing this

[abhijotgameing]

You are really an efficient, organized and results-oriented man. I haven't seen such quality work in a long time. Grate job, keep it up. And I will make sure the world knows more about you and the good did you have done for me. People like you *TECH SAFE GUARDIAN* are rare

[tlozzi]

The one area you are wrong Dave. I’m spending $2K every month and pay it off every month. I get a 2% CASH REBATE ! I get zero using a debit card/check. I have no other debt. Some people have discipline.

[Huey]

Made $800 cash back this past year and paid 0 dollars in interest/fees. 99%of the purchases were essentials, gas, food ect. Used the cash to pay the card bill. Where and what did I Lose? Nothing.

[tinytreepublishing]

At 1:55, This is a classic “straw man”argument. He constructs a bundle of nonsense, “oh so you are saying that if you spend 10, 000 to get $200, then you will get rich.”
That was nothing like what the caller said. He’s attacking a nonsensical argument, that he, himself, created.

[davidcharlton]

I use a credit card every month and have never not paid it in full. Not once in 52 years. I get to use someone else's money for anywhere from 15-45 days. And yes, I get free airline miles. And being a 73 year old multi-millionaire, I can afford all the other costs of vacations. I have also used miles to book flights for friends and family especially when there is an emergency.
So what is wrong with this? One size does not fit all. Your mileage may vary.

[TonyAtmos]

This is hilarious.. They created a fake argument and then called you stupid.

[kencerreta]

Booked a flight on air Berlin for the whole family years back with my cc. That year, air berlin declared bankruptcy, and I lost my tickets. Called my cc company, got refunded. If I paid with cash, that money would have been lost.

[jenniturtleburger]

I treat my credit card exactly like my debit card. I never care a balance and never spend more than I would with my debit card. I treat it EXACTLY like a debit card. The points and credit boost are just a plus.

[ivanesparza]

I would respect Dave WAY more if his attitude wasn’t “everyone who disagrees with me is stupid” have some humbleness sir

[joshzollinger]

Dave has a lot of good advice but he is just mathematically wrong on this issue. Getting free money for purchases you were going to make anyways is smart and efficient.

[HotDiggityDog]

If we use $6000 in 6 months on our credit card we get $750 in credits. We’re going to spend over $6k anyways, and always pay it off… why not?!

[babyrosecrans]

Never did they answer the question. They just immediately got offended that someone would ever question their program, proceeded to call everyone who uses credit cards stupid, and… nope that was it.

[JorgeMartinez-ezjl]

I think Dave disagrees with the strategy because the temptation to get into debt is so easy. But if you are disciplined and only charge what you would've charged on your debit card then it can make sense for some people: utilities, insurance, groceries, gas, etc. I actually take the 2% I accumulate and apply it to my balance every few months.