Did I say my persoal finance behavior had changed...no.
I buy what I would normally buy, I just put it on a rewards card. Gas, groceries, normal things we buy. I have money in the bank to cover my purchases, so I pay them off at the end of the month...no interest. But because of the rewards points, I don’t have to pay for Christmas presents (I use the points for that)....don’t pay for vacations (use the points for airline tickets, hotels, etc.)
I haven’t spent anymore money using the credit cards, I’ve actually saved money...by getting reward points. If you can control your spending behavior...credit cards can work for you.
Plus as I said, since our credit score is upwards of 800, we get offers all the time for 12 - 18 month no interest CC purchases. We don’t use these for things we don’t have the money for, but buy big ticket items we need (refrigerator or computer comes to mind), keep our money in a place where it’s working for us, and essentially gain 12 months interest on that money for ourselves, at the CC company’s expense because we pay off the balance before the 12 month is up...we used the cc’s money for 12 month with no interest.
One trip/fall and then what?
One major life event a lost job etc then what?
I will never put my family in that kind of risk again.
You can go on living with risk.
When you play with fire your gonna get burned.
I only know this from experience. And feel led to share it with others when it comes up.