Credit cards aren’t evil, bad discipline is. I use one card with a high limit that I never touch online, one with a $2,500 limit for every online service, and a joint card for shared expenses. That’s it. Most people get crushed at 22–24% interest because they don’t control their balances. Set limits, separate risk, and stay disciplined. It saves you a fortune.
Credit cards aren’t evil, bad discipline is. I use one card with a high limit that I never touch online, one with a $2,500 limit for every online service, and a joint card for shared expenses. That’s it. Most people get crushed at 22–24% interest because they don’t control their balances. Set limits, separate risk, and stay disciplined. It saves you a fortune. ♬ original sound - Mr. Wonderful - Mr. Wonderful
