What is your hot take on credit cards? Do you have any credit card point stacking hacks or things of that nature? Yeah, let us know.

I think credit cards are how the rich survive. They just have self-discipline on how much to use and paying it back in full because they have the money to.

Oh you guys loved that bro. Oh you guys loved that so much you guys based your whole fucking financial system on it lovely

Don't get them if you can't commit to them, but if you're already committed to them then try to pay more than the minimum balance always.

I would say to make the payments on time and check if they are going to ask you or charge you for management fee monthly.

You have to check they don't charge you the management fee monthly.