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These fees are how they're paying for your airline miles and cash back bonuses.
Personally, I'm perfectly fine without a credit card. I don't care if I'm "giving up free money" because I know this is where it's coming from.
That's what I thought...
Until I wanted to be an actual adult, and realize you can't be an adult without a good credit score anymore. Can't even get housing without it now.
I fucking hate it. Being a captive customer for LIFE just to prove when you need to, you can pay back some charges. It's insanity.
So I have a meager credit line now, and I pay for thing on it, and pay them off, like a good boy. Maybe someday I'll be able to prove to a company that I'm not a shitbag, and they will let me purchase a home. Assuming I can ever afford that ( not at current trands...).
If you have enough savings, sometimes they don't even look at your credit score and history.
If you have enough savings, you're smart enough to know to use a credit card
Which is a more privileged position than having the ability to be ‘smart’ with credit card usage…
The primary reason not to have a credit card is if you will use it as an actual line of credit in any situation other than an emergency.