this post was submitted on 22 Jun 2026
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Do not make the mistake of thinking that a credit card means you have money. Credit cards mean you do not have money, and you’re about to have even less.
I just use all my credit cards for the points/cashback rewards and to track spending (I have different cards for different things, like one for gas and groceries, one for revolving subscriptions, one for general spending online).
I pay them off in full weekly, and the rewards are essentially free money. Plus, this protects my bank account (actual money) and helps easily spot if there's any fraud.
credit cards mean you have access to money that is not yours. you may spend it, but if you don't pay it back immediately it will hurt.
I have a separate account linked to my card and manually move money from my savings account there, for cost control. Sometimes, after a huge bill, it goes negative. On such a occasion, the one time i would have registered an Amazon account, they locked me out because of this. Considering that it's in some places "normal" to have the main account negative, am i the weird one?
Maybe, if you're bad with money. Treat the card as you would your debit card, and only spend what you know you have, and you'll be perfectly fine.
I've used a credit card for the vast majority of my purchases over the last 10-15 years, and money isn't a problem in the way you're implying. But I might also be a unicorn and I pay my card off multiple times a month, and have paid MAYBE 3 months of interest in that time.
My credit card is why I have a stellar credit score and was able to pull myself out of the poverty hole that I was born into. And I know for a fact that I gotten more from rewards than I ever paid in interest, so I've made money putting purchases on it.
I find it hard to wrap my head around the fact that people do not understand this. Like, why would you ever think that you have more money than the amount deposited in your account?! I am guessing it is regional — restricted to places with poor financial hygiene/literacy due to whatever reasons.
(Despite the em-dash, I am not an AI. Two plus two is four Minus one, that's three.)
You think you’re hot, like quoting some quick maths proves you’re not an AI? ;-)
I love the concept of having negative money in a bank account. When I was younger, dumber, and poorer, I'd look at my bank account and think, "Man, all I need is another $220. Then I'll finally be flat-out broke."