I’m in my 30s so I should be used to this by now, but this shit is getting so stressful guys. I have no savings, my checking account is drained every month with rent, and if there’s ever a serious emergency I have no safety net, I’m legitimately fucked. I’m one unplanned expense away from absolute ruin. Those in the same boat as me, how do you deal with this?
Ignore 5, OP. As described, it’s exactly the trap the credit card companies want you to fall into, and you’re susceptible at the mo.
I’ve never had one, don’t know anyone that has one. There’s nothing you can buy with it safely that can’t wait without getting in debt, no matter how short a timescale
It’s listed as risky for a reason. The thing the credit card companies want is for you to overspend, or buy something beyond your means that will take you awhile to pay back so they can make interest money. The way in which people can benefit from is purely by making it a stepping stone payment system. Never spend money you don’t have and just keep it purely for earning points.
That’s why I said it’s really bad advice for OP