>you are shaming folks for using credit cards and paying it
>all off and getting perks like cash back or points.
>
>That doesn’t make sense.


That is obvious that there are more than two ways. You can use credit cards for whatever you want. You asked for good ways to use them and I gave you a response. Problem is you appear not to accept my response. That’s not my issue though. My main concern about debt is that we get so caught up in the rat race and we over extend ourselves. People fail to budget, or stuck to it for that matter. You all need to get out of your feelings and look at what I said logically. If you think that I am shaming folks then yeah go with your gut. My stance on credit won’t change for anyone. Use your cash as much as you can, and your CC’s very little.