I use a prepaid credit card. Same benefits, more control over my money :)
this post was submitted on 21 Aug 2023
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I used to only have debit card in my youth but got a credit card. I used to charge most things to debit card still out of habit until recently where I've started to exclusively use my CC for purchases. I have a good credit score, not that it really matters since we already made big purchases (car, home)
what i have (which usually isn't much) is in my pocket. if i can't pay for it, it doesn't get bought (u.s.)
at the office (it's just two of us), it's different. we use cards for convenience, but we still don't spend what we don't have in the bank.
I do the same, but with a credit card. I never allow my credit card balance to exceed my non-emergency fund cash, unless it's an emergency, in which case it can eat into my emergency fund reserves.
Essentially, I use it the same way I would a debit card, but it gets paid monthly instead of being pulled out instantly. I use a budgeting tool that pulls down transactions, so I always know my bank and credit balances.