> My argument is that you should only use a credit card when you actually need credit and not to merely game a broken system. Credit cards are literally the d

> My argument is that you should only use a credit card when you actually need credit and not to merely game a broken system. Credit cards are literally the dumbest way to borrow money, second only to payday loans. So you definitely shouldn't use them when you _actually need credit_. But you should use them to build up your credit score, so you can get extremely cheap credit when you actually need it.