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certifiedintelligent t1_j1zjci4 wrote

Holes and dry spells aren’t a thing so long as the account is open. I have 14 credit cards (sign up bonus collecting), I use 1 on a regular basis, maybe 3 in a given month (depends on perks and types of purchases). The rest rarely if ever get used but consistently report “paid as agreed” to the credit agencies every month.

IF you can be responsible with it and pay it off every month, the credit card should be your first choice to pay for things because of the protection and perks (if any). For example, if someone skims your debit card and steals from your bank account, it’s a pain to fix that takes time. If someone skims your credit card and racks up false charges, you simply tell the card company you didn’t make those purchases and you don’t lose a cent.

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