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I have two Bank of America cards (normal rewards card and travel one). I stopped using them bc I ended up in credit card debt that I’m FINALLY out of. Now I pay for everything with debit. Good/bad?

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Do what you need to keep the debt in check. But debit cards in general are less secure, and you don't get perks like credit cards. But if it curbs your spending, don't change a thing!

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Just keep using debit. CC points aren’t worth it if you spend too much, definitely if there’s even a month of accidental rollover. Plenty of studies show that people spend more on credit than debit. Also don’t worry about your credit score. It’ll be high if you have a low balance, I.e utilization. If you’re worried keep one monthly payment on credit and do the rest of your spending on debit. That way you’ll keep your credit score but won’t overspend

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If the cards have no annual fee, throw them in the sock drawer and forget about them. That way you keep the credit score and don’t use them

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I just got so bad at thinking I had money bc it was in my checking while my credit cards were piling up and now I’m too scared to use then and I pay them off almost immediately now (it’s only used for recurring Netflix). Even took my cards off Uber. My credit score went up a bit tho (740 to 760). But I’m worried it’ll go down if I don’t use them a lot.

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Your score probably went up because you now pay off your balance every month - not because you're spending less. MC1 is right - credit cards are safer and cheaper if you pay them off every month, but do what you need to do to control your spending.

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Use credit card $500 a month and pay it off every month. If you don’t have the money don’t use it simple. Be in control be dominant the way you are dominant in bed room. Use it for large buy to have purchase protection and accumulate points and then build the credit. You will need credit in this country later in the life.

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It’s a joke but you get my point 🤷🏽‍♂️

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Your credit score will keep going up even if you stop using your credit cards for a long time. The average ages will increase which factor in bigly

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Look into cash back debit cards . Discover has one with 1% back. If you want to get back into a normal credit card, try and review your expenses and pay it off more often than monthly. (I do weekly but that’s partially because I make less so I need to)

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Make sure you use them a little so BofA doesn’t cancel. Length of credit history and percent of credit limit used are key factors considered.

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