216. How to Use a Credit Card Without Going into Debt

Financial Feminist

Her First $100K

Self-improvement, Education, How To, Business

4.7 • 6.2K Ratings

🗓️ 27 February 2025

⏱️ 33 minutes

🔗️ Recording | iTunes | RSS

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Summary

Tori answers questions about all things credit cards –– including how to choose the right one for your lifestyle, how many credit cards you should have, how to use a credit card responsibly, and getting to know and utilize your rewards system. Resources mentioned: Our Credit Card Recomendations Episode: What Credit Card Companies Don’t Want You to Know with Vrinda Gupta How to Build Credit Using Credit Cards Why You Need a Credit Score Read transcripts, learn more about our guests and sponsors, and get more resources at: https://herfirst100k.com/financial-feminist-show-notes/216-how-to-use-a-credit-card-without-going-into-debt/ Not sure where to start on your financial journey? Take our FREE money personality quiz: https://herfirst100k/quiz https://herfirst100k.com/quiz Looking for accountability, live coaching, and deeper financial education? Check out our exclusive community, The $100k Club: https://herfirst100k.com/100K-pod Special thanks to our sponsors: Squarespace Go to www.squarespace.com/FFPOD to save 10% off your first website or domain purchase. Rocket Money Stop wasting money on things you don’t use. Cancel your unwanted subscriptions by going to RocketMoney.com/FFPOD. Quince Get cozy in Quince's high-quality wardrobe essentials. Go to Quince.com/FFPOD for free shipping on your order and 365-day returns. Netsuite Download the CFO’s Guide to AI and Machine Learning at NetSuite.com/FFPOD. Gusto Run your first payroll with Gusto and get three months free at gusto.com/ffpod. Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	On today's episode, we are talking all about credit cards, what they are, how to use them responsibly, how to find the one that's right for you.
0:06.6	And yeah, I talk some shit about Dave Ramsey. Let's go. Hello, financial feminists.
0:26.9	I'm excited to see you as always.
0:29.4	I hope you're doing well.
0:30.7	We are talking all about credit cards today on the show.
0:33.1	And if you have been following us for a while, you know that I'm a big fan of credit cards.
0:38.2	In fact, I think they're one of the best financial tools at our disposal to build our credit,
0:43.6	make sure that we are setting ourselves up well in our financial lives, but also because
0:48.6	you can get free shit with them and who doesn't like some free shit.
0:52.4	Now, a lot of people here, Tori, you're a financial
0:55.4	expert. Why do you recommend credit cards? I've been listening to people like you who must not be
0:59.8	named, Dave Ramsey, or I have just heard that credit cards are really, really bad, that they're
1:05.1	going to get me into debt. They're going to prevent me from being able to progress financially in my
1:10.2	life and they're really, really dangerous, right?
1:12.6	And maybe you've grown up with parents or family that is viewed credit cards in this way,
1:17.5	that they are dangerous, they are slippery slopes, and you should never touch them under
1:21.8	any circumstances.
1:23.1	But I have to tell you, as a multimillionaire, as a personal finance expert, I love credit cards.
1:29.7	And while the advice that, you know, credit cards are dangerous and bad, it's well-meaning, right?
1:35.3	It's trying to prevent you from going into debt.
1:37.6	It does not treat you like an adult.
1:39.2	Dave Ramsey comes on and talks about how credit cards and credit scores are I love debt scores. And that is completely
	...

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