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I'm LOVING that dividend!
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<blockquote data-quote="Jackburton" data-source="post: 1199405" data-attributes="member: 34538"><p>I use my credit card for the points, Amex blue cash (no annual fee) for 3% cash back for groceries (average 180.00 spent a week) which goes up to 6000 a year for the 3%. I only use the Amex for the groceries. Amazon visa for 3% cash back from Amazon purchases plus 2% back on gas (no limits on both). I pay each off every week with a simple log in on my phone and haven't payed interest on any card for 10 years. </p><p></p><p>Dave Ramsey's catch phrase is "He's never met a millionaire who says they made thier millions off of points". While that may be true, responsible use of credit (Clark Howard) can be achieved. I'd also like to mention one other thing Dave says, "Use a debit card instead of a credit card, it has the same protections". One thing Dave fails to mention, money instantly leaves your account. If it gets compromised, which one is going to be easier to resolve, especially if you have other bills you're going to pay and someone empties your checking account in 10 seconds. Credit card companies actively watch your account, as they are on the hook if your account gets compromised, your debit card isn't.</p></blockquote><p></p>
[QUOTE="Jackburton, post: 1199405, member: 34538"] I use my credit card for the points, Amex blue cash (no annual fee) for 3% cash back for groceries (average 180.00 spent a week) which goes up to 6000 a year for the 3%. I only use the Amex for the groceries. Amazon visa for 3% cash back from Amazon purchases plus 2% back on gas (no limits on both). I pay each off every week with a simple log in on my phone and haven't payed interest on any card for 10 years. Dave Ramsey's catch phrase is "He's never met a millionaire who says they made thier millions off of points". While that may be true, responsible use of credit (Clark Howard) can be achieved. I'd also like to mention one other thing Dave says, "Use a debit card instead of a credit card, it has the same protections". One thing Dave fails to mention, money instantly leaves your account. If it gets compromised, which one is going to be easier to resolve, especially if you have other bills you're going to pay and someone empties your checking account in 10 seconds. Credit card companies actively watch your account, as they are on the hook if your account gets compromised, your debit card isn't. [/QUOTE]
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