Pay Attention to Dave Ramsey's Concerns About Credit Cards: While we Have Fundamental Differences in our Approach, I Highly Respect His Opinions
1. Develop excellent budgeting strategies
2. Ensure that you have separate accounts at separate institutions
3. Pay Off Cards Automatically in Full or Early
4. If unwilling to get serious about budgeting, consider not obtaining credit cards, no longer using credit cards, & using other travel hacking strategies.
6. Do an annual fee review each year
8. Manage your expiring credits, certificates, and points with a website like Awardwallet
9. Manage which best cards you have to certain expenses using Walletflo.