Which Credit Cards Are in Your Wallet?

Clark Howard is a big fan of credit cards if you can use them responsibly. What credit cards do you use? Do you have any tips or tricks to maximize rewards? Should you cancel your card? Share your questions and opinions here.

I agree whole heartedly with Clark on credit card preference vs debit cards for all the reasons he shares. One thought on debit cards though that I learned the hard way – I didn’t have one for years, didn’t use ATMs. But then in 2020 due to c*v!d fears my credit union closed their doors unannounced. My usual method of getting cash fizzled. Later when I could, I did get a debit card. I keep it expressly for that type of dilemma. I don’t carry it or use it with any regularity.