You need to learn about managed debt.
check some videos of Rich Dad, Poor Dad author/real estate investor.
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Apple Saw Double Digit Growth in iPhone Upgraders and Switchers in Q3 2021
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check some videos of Rich Dad, Poor Dad author/real estate investor.
That is Dave Ramsey “rice and beans” smoothbrain thinking.
Apple Card gets paid off in full every month, if not a few minutes after each transaction.
Apple Card gives me 1-3% cash back.
Apple Card gives me 0% interest on installment payments, allowing me to decide leave cash assets earning interest during the installment period. (Not insignificant on $3000-$5000 worth of transactions)
Apple Card acts as a service to greatly simplify Apple ecosystem transactions.
Apple Card is far more secure than debit card, and gives me additional leverage in transactions that do not go according to terms (chargebacks, etc).
Apple Card is an excellent service, and between the cash back and what I can keep invested and earning short-term returns, it’s closer to a 7-10% savings. I’ve never paid Apple or Goldman a cent of interest in two years with it. But I’ve earned enough a Apple Cash rewards alone to pay for 1/3 of my current iPhone and most of the Air Pod Pros I just recently purchased. I’d be livid if they got rid of the service. But if you view credit cards as “loans”, and not as giving you purchase convenience, then maybe the Dave Ramsey methods are better for you.
it is also baller to drop the metal card on the counter/table/tray.😎