AsInHowe posted:

This is what I do too, with two credit cards (one for monthly bills, one for business expenses). It's the best way to do things, because you're getting the plus of paying things on time, and the plus of using the credit system to do so.

It really helps for business expenses, because each statement becomes the expense list for last month. It's great. I'm also getting points for things, which will eventually be used for some airfare in 2018.

The reason why not is that the cultural norms that Dave Ramsey taps into are totally binary. Credit cards are always bad, because they were bad for me and others, therefore, they must always be bad. They can't be good, because they are bad. It's not the credit cards' fault they were abused, but the responsibility shifts to that object that must always be bad.