Quote Originally Posted by punkr6 View Post
I don't use credit for anything, I pay cash and I have no payments. I even use a pre paid phone, and that saves me hundreds a year, Credit gets a lot of people in trouble....
You should use "others peoples money" in the right situations if you are responsible.

Why spend $2000 on a tv when you can spend $2280 over 2 years (assuming 7% interest). Why tie your liquidity up in one shot.

Credit is perfectly fine you just have to know how to use it which most people don't(including me at 18)