Wise Bread | Personal Finance and Frugal Living Forums

You make it sound really good, but not everyone is as disciplined about paying off their credit card. The scenario is when people live paycheck to paycheck, and then they have an unexpected expense throughout the month, what do you think they'll pay for first? They'll probably rationalize it by saying, "well, I can just pay my credit card bill later". Paying cash or using the debit card is a much safer route unless you already have a big emergency fund saved up and you're extremely disciplined with your money management.

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