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this post was submitted on 12 Aug 2023
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Unpopular Opinion
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I think the knee jerk reaction to just not use credit cards is an over reaction. If you are in a state where you can safely maintain a few hundred dollars in a bank account month to month, then it's perfectly reasonable to have a credit card that is used responsibly as long as you don't carry a balance. I would just roll it into good budgeting and it helps you build a credit history which, though a shitty system, is still a useful thing to have.
It's not for everyone based on that criteria, but a good amount of people do fit that condition, especially if they have a moderately well paying job in a lower cost of living area, or do things like live with their parents.
There’s nothing wrong with appropriate use of credit cards ... Ideally. I think most people avoid them because they fear making poor choices. They know they’re fallible. They know there are huge industries based on extracting money from the unwary. Paying cash balances that out with a very simple control.
It’s similar to eating a reasonable amount for many people. On the surface it’s calories in vs calories consumed, but in reality it’s all about human nature. I buy soda in cans, despite the cost and environmental impact, because it’s easier to tell myself to only have one per day than it is to stop at 12 Oz. This is the whole reason for “100 calorie packs”, to help people limit themselves to “one serving”