I'm not faulting you. I just don't buy into the cycle. I have a credit card and a debit card.
Jack, what's funny is when I needed credit I couldn't get any... then when I didn't need it I got it. I got used to paying COD and now my suppliers have my credit card on file so I continue to pay COD. It's convenience now- all my monthly bills are on auto pay, but the bottom line is we have a positive cash flow and a low overhead... which works as long as I keep working. I could never afford to retire and make my mortgage in California, not even close- but I CAN afford to cash out here and move next door to Wrag or MNN and campaign for liberal causes like coed bathrooms, gun control and sanctuary cities.