• TCBloo@lemmy.world
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    1 year ago

    It’s not difficult to use credit cards responsibly and come out ahead. Moat people just lack basic financial literacy and/or the willpower to not use them irresponsibly.

    • dan1101@lemm.ee
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      1 year ago

      It’s easy until your bank accounts won’t cover important purchases and credit cards are the fastest and easiest way.

      • Trollception@lemmy.world
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        1 year ago

        That’s called not being financially responsible. You are spending more money than you make. Credit cards didn’t create this problem.

        • dan1101@lemm.ee
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          1 year ago

          Never said credit cards created that problem. Spending more than you make will never work for very long. But in a month where for example your vehicle and your water heater break and you’re not rich, you gotta do something.

        • June@lemm.ee
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          1 year ago

          Having an emergency is being financially irresponsible?

          Seems to me you’re being a tad reductive.