Fair enough, but I disagree. Credit cards are not the problem—it’s how we use them. You’re fine to use credit cards as long as you use them to spend the money that’s already in your bank account. Money you’ve already budgeted. But hold on: this is not the same as having the money to pay your bill when it’s due. Paying your bill is a great start, but if you only have enough to pay the statement balance when it’s due there’s a chance you’re still spending more than you actually have.
