Why would you listen to anyone who says you’re too much of a moron to be trusted with a credit card? It’s impractical to function in today’s society without one—Jared’s favorite sushi spot does not accept cash.

Want more tools for a richer life?

• As long as your credit score is over 740, you’re fine. Here’s why: https://www.jareddillianmoney.com/go/JD000I0042/LIB
• Trapped by credit card debt? Get help here: https://www.jareddillianmoney.com/go/JD002I0030/LIB

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