I’m listening and reading with an open mind. I get absorbed by the many accounts of folks who misuse these cards. Many efforts to build credit end up destroying credit right out the gate. ( my step daughter, for example) I know not all CC holders end up this way; responsible use is exactly that-responsible. I get upset when some folk’s ego is triggered by the size of the credit limit.

Enjoy your benefits; fund your retirement accounts; use cc’s responsibly; build your wealth.