At the age of 18, I got my first credit card, a Chase Freedom credit card.
For the last 22 years, I've heeded his advice — except when using credit cards with an introductory 0% interest rate.
3 ways I've used 0% APR credit cardsI've used 0% APR credit cards to my advantage in three ways.
If a 0% APR credit card didn't need the maximum amount paid, we could shift some of those payments to another credit card.
Since we don't carry balances, traditionally, this meant opening a credit card, moving our total balance over, and then slowly paying down the 0% APR credit card.