No Debt Plan

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‘ve said it before in the past, I’m not afraid of using a credit card.

A quick run down of the benefits of using a credit card and paying off the balance every month:

• Purchase protection both online and offline
• Fraud protection both online and offline (if your card is stolen and you report it, you owe usually at most $50)
• It makes budgeting easier by reducing the number of places you send a bill. I charge almost all of our utilities to a credit card, then pay off the credit card. This also saves me on postage.

Granted there are risks. If you carry a balance, that’s just silly. Paying an annual fee is also silly.

I haven’t discussed this in the past, but there are lots of different places you can find a credit card. You can go to each provider’s website (AMEX, Chase, etc.) and look at the options. But you can’t compare across sites, at least not easily.

At All about credit, you can do just that. It’s a huge database with different credit cards. You can pick and choose to decide which one is best.