Personal finance

Personal finance
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  • Myth
  • Many people believe that you need to take out a credit card or a car loan in order to build a credit score. 
  • But that isn't the case. The FICO score is an "I love debt" score and is not a measure of winning financially.  
  • Truth
  • Myth
  • In reality, a debit card does all of that. You just can't go into debt with a debit card.
  • Truth
  • You need a credit card to rent a car or make a purchase online or by phone.
  • When you use cash instead of plastic, you spend 12-18% less because spending cash hurts.
  • Truth
  • Paying off y our credit card every month with no annual payment or fee. You get brownie points.
  • Myth
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