Unfortunately, this is rare these days.
When I was at the post office the other day, I noticed that one of the envelopes was a statement from the credit card company. I looked at the lady who works at the post office and said, "I wonder what it is!" This must have taken her by surprise for multiple reasons. First, who is excited to get a statement from their credit card company? Secondly, it is usually only one thing... a bill.
NOT A BILL!
Since we rarely use credit cards these days, I knew it wasn't a bill, but when I opened it up, things became even more fun. I looked at the statement, looked at the lady, and then said, "Yup," and shook my head. "I should have known." At this, she asked me, "What is it?" I looked up and told her, "I've got a credit. I guess it is a credit card after all."
Personally, I don't believe paying interest. I think that debt is one of the worst things a person can choose for themselves. Whether it is a mortgage, a car loan, a student loan, a credit card, or anything else that you can end up paying a lot extra for just to use, I'd rather not. I think that far too many people spend far too much of their lives working far too hard just to pay interest! It is sad but true, and I'd rather not choose that for myself or my family.
The reason I started using credit cards was the instant cash back. Periodically we would get offers where if you signed up for their card, the company would give you $150 - $200 back once you spent $1000 within the first three months. We would spend the thousand, get the $150 or $200 back, and then basically move on. I know that the company was hoping that we would go crazy on spending and rack up much more than $200 in interest, but I guess we disappointed them. The basic rule was, if we ever have to pay any interest or a fee, we are done with that card.
When we got the next statement after the one that had the credit, the new amount was $0.00. I wondered where my credit went. The credit was probably due to an order that got cancelled, so I know how it got there, but now it had disappeared. Then, I noticed something else.
They had sent me a check for the amount of the credit. This is as uncommon as having a credit on your credit card statement these days. Ultimately, I think that you should be in control. Don't let a company control you. If you are able to be responsible with a credit card, then by all means use one if you want. If you can get cash back and pay all of your bills on time, go for it. However, if you have a tendency to purchase more than you can afford, and if you often have to pay interest on your purchases, you may want to get rid of the card all together.
I hope that my example can encourage some of you. There is no reason to choose to pay interest, or to invite a heavy financial burden into your life. If you do, freedom will be hard to obtain, you will have to work longer and harder, and it'll put a stress and strain on your wallet and maybe even your marriage or other relationships.
As always, I'm 
and here's the proof:
proof-of-credit
Until next time…
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