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Ask Dave

Not Needing Credit Cards

Allen may not be able to convince his family to stop using credit cards, but he may at least be able to make some good arguments.

QUESTION: Allen is trying to convince his family that they don’t need credit cards for anything. How can he do it?

ANSWER: I’m not sure you can, because those convinced against their will are of the same opinion still. Some people are committed to using credit cards and you can’t stop them. It’s unfortunate that they are going to stick their lip out and keep using the credit cards, because stupid is not illegal.

You can make some arguments. To rent a car or get a hotel room, you can use a debit card. If there is an emergency, you need an emergency fund. If those don’t work, tell the story of how you are not using them now and how great your life is, then maybe they’ll want to do things like you.