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... and people that like free money and a good credit score do use credit cards.
Some cards offer 2% cash back on all purchases. I actually paid my wife's tuition with credit cards, which seemed silly that they would accept them, but at $10k every 3 months, I was getting a lot back in rewards and paid off the balance every month, so incurred no interest. To this day, I have never paid any interest on a credit card.
My fallback plan is always a HELOC. If there is a debt that needs to be paid, best to use the equity in my home as the interest rates are the lowest, and also tax deductible.
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