Hey, I was wondering if someone needs credit to buy things. People in my family have said I wouldn’t be able to buy a car or a house without credit. But if I’m saving up cash to pay for things outright, do I really need credit?
Note: I’m sorry if this is the wrong place to ask.
Plus the “rewards” from credit companies are paid for by merchants leading to price adjustments for all items regardless of payment method. If you aren’t using a credit card you are paying me to use one.