Should I use a credit card or not? A lot of finance gurus including Dave Ramsey tell you - Use hard, cold cash for all your purchases. This might be true for many but I don’t agree with this statement. Before I start defending my arguments against Dave (virtually) I want to lay the fact I respect Dave and many other finance gurus as they have helped many of us get on the right path of … [Read more...] about Don’t Cut Your Credit Card Before You Read This