Dave Ramsey is both right and wrong about credit cards

The situation is complex, but I hope to draw some conclusions regarding Dave Ramsey and credit cards.

Ramsey recommends people not use credit cards. While some people liken credits cards to a tool that’s “neutral”, Ramsey thinks credit cards are more akin to playing with snakes: it’s not as good idea and you’ll likely get bit.

In my personal experience, Ramsey seems to be mostly correct. For most people, credit cards don’t seem to be helping them overall. So why would you try? That’s where the other side of the…