re: Amazon Prime

quote:

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I do not use credit cards. I’m debit card (with a VISA logo) only.
Debit free - besides my house. It works for me.

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Two things:

1. credit cards have financial and security benefits that debit cards do not have

2. if you are disciplined enough to pay off credit cards every month it will have a positive impact on your credit score especially if the only credit you are using is for a mortgage. The improved credit score from using credit cards will positively impact your creditworthiness and interest rates in the event you have to borrow money or decide you would prefer to borrow money for something like a new car, a second home, or take advantage of a zero percent interest option for a purchase.


Some people need to follow the Dave Ramsey approach to money but those with a modicum of discipline are leaving a lot of money on the table by doing so.