Kristina Ellis

Right.

They're already in credit card debt.

They're frustrated.

They're feeling inflation.

They're feeling all these things.

And it's like, hey, like, why don't you try this out?

I'm adding a system.

Yeah, I literally just posted that yesterday.

I was doing an interview and posted that that's my same reasoning that it's like somebody in order for me to win with points, somebody else is losing.

And that's just so sad.

The other points are save on everyday expenses, which they're talking about like cash back and basically making sure you spend enough so you get cash back, which is kind of crazy.

I was on with George one day and he was doing the math on like how much you'd actually have to spend to get that free flight or that amazing cash back.

And it was ridiculous.

Another point is build your credit, of course.

And then the last one is to navigate the cost of a large purchase.

They are suggesting to use credit cards to navigate large purchases.

They basically say that they talk about emergency funds.

It says our bank rate survey cites insufficient emergency savings as the leading cause of negative impacts on mental health surrounding money.

Whether prepared or not, emergencies happen and they can be costly.

A credit card can be a great tool to have in your arsenal to cover you in a pinch.