if you have the cash, why do u need credit? suppose you have something unexpected happen, and you had 5 grand out on credit cards, and you were unable to pay it, what then? if you had just paid cash, then no worries right? I mean, how many people now have to worry about paying for the christmas gifts that they bought? I guess from my p.o.v, after seeing how hard it is to crawl out of the hole credit can put you in, i just as soon not need the burden or credit cards.
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