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Yes, of course we do! This one is kind of important, especially to me. However, there are a few issues to be aware of.

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People love airline miles. Your FICO score only measures your debt: how much you have, how much you use, and how often you pay it back. And that sounds like a lot. If you really miss the convenience of a card, use a debit card. Sort By Toggle.

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Credit card debt is a major problem in America. And look, I totally get that credit cards are completely normal in our culture today. Payments and late fees have a tendency to pile up, and they steal more than your paycheck—they steal your joy too. If that happens, your interest rate skyrockets, your credit score drops, and you get slapped with fees. Everyone knows the surefire way to wealth is to accumulate credit cards points.

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