Ben and Ernie tackle the big credit card question (should you use them?) that Jesse has been wrestling with this year, with a slightly different take. Ben, of course, does not use credit cards as he shared with Jesse in episode #621. Ernie, on the other hand, has done it both ways, cutting up the credit card during times of his life where he was busy paying down debt, and now using it judiciously to accrue travel points that he can use on family vacations.

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