That hasn't been my experience. Had trouble getting charges at an AR supply business approved. Foreign folks on the phone. Cancelled the card and had trouble with that. No more Citi for me!

when my wife worked the farm co-op , 75K was not uncommon at all on a credit card , every dollar of fuel , feed , fertilizer. went on that card , a bunch of them had cards that paid for a vacation every year they were very upset when the co-op started charging a fee for using a credit card. it was hitting them for thousands in what they were taking as personal gain.

it was just a tool of farm/business management

Ditched my Cabela's Card about a year ago and haven't looked back. I opted for the Citi Double Cash Card and have been very pleased. It pays 1% at the purchase and 1% when you pay your bill. I have never carried a monthly balance and I play the game and charge as much of my expenses as I can to the card. The dollar value can be used to apply to your balance, receive direct deposit or check for cash, shop and use for payment at Amazon and other places. I have traveled, purchased guns, gun parts, ammo, etc without any issue.

Not a good idea using a debit card since that is linked directly to your bank account. It's harder to get your money back due to a fraudulent charge. With a credit card, they just charge back where ever that fraud occurred and you are free and clear.

I have an Amazon card, Cabelas card, pay them off every month, and zero debt. 850 credit score. I refuse to pay interest.

Thank you

the way US law is written you have no liability zero on fraudulent credit card charges.

not so with Debit cards and checks

you have to fight to get your money back vs you just never pay the CC company for charges reported fraudulent (and legitimately not you)

if you have the self control to use it wisely it is a better financial tool

I’ve been using two debit cards linked to two separate bank accounts for decades. Scammers got a hold of my numbers and made fraudulent charges three or four times during that period. The latest incident, somebody used my card numbers linked to my business account to purchase a couple thousand dollars worth of tools at two Home Depot‘s in Florida.

Each time my bank issued me provisional credit as soon as I noticed the fraudulent charges. I’d give them a call, tell them I did not make the purchases and they instantly issued me credit for the fraudulent amount. After they and the credit card company who issued the card did their investigations, the credit stood.

Yes. Looking at cards with better rewards now. I run every expense I can on the card including electricity bill, business insurance, equipment, fuel, etc.

Capitol One is back at it.. Not posting until you are late is a scam they pulled years ago.

Cut the card up. They suck!

Thats not correct, Finster. My credit union (and I suspect most all credit unions and banks) provides the same exact protection against fraud as any credit card company would . You can also rent hotel rooms, car rental, purchase airline tickets.....yada yada. So many myths out there about debit cards, but I suspect the credit card companies like it that way....

No need for a credit rating.

I figure the less credit I have the better.

We have had our CC (Master Card) for 45 plus years. I don't know our interest rates because we have never paid any interest on our card in those years. Does not matter what the rates are if you pay down monthly. If we buy very late in the month then we can get 35-40 days same as cash. We really feel that using CCs helps us manage our monies. We get a print out every month that states the charge, location etc.

Bryce

Bryce, im not doubting you for one minute when you say you have never paid interest, but you are in the minority...