I have noticed that Dave Ramsey has a very different view on this topic when compared to Crown Financial, Randy Alcorn, and John MacArthur. I know that Grace Community, nor Paul Washer recommend Dave Ramsey for financial assistance as I did ask Grace about him once, and they did not agree with him. Washer recommends Randy Alcorn. http://www.heartcrymissionary.com/reading-list Ramsey is very charismatic, a excellent communicator, and has some good things to say. However I think he goes on the extreme, can be unbiblical in his endorsement of all the self-help authors that he does on his show. So I do not fully agree with him, but what I do agree on is the following regarding Credit Cards. -They can be very dangerous as a snake or fire. -If one cannot payoff a credit card each month, then one should not have one. -One must only use a Credit Card for budgeted purchases -Cash Back Rewards and Sky-Miles can be a strong advantage to a card as well as the fraud protection that many of them offer over debit cards. For some reason I have been hit with fraud twice in Colorado in a year (not once in SC in 6 years) and each time the bank closed my card and I had to wait 5-7 days to get a new one. But the one time I got hit with CC Fraud I would not be responsible for charges, and a new card would be shipped to me in 1-2 days FREE of charge. I know each has his or her own conviction on this one and one should obey it as mentioned in Romans 14. Randy Alcorn in his book managing God's Money says on pages 182ff that he himself uses a credit card but only for budgeted purchases and only if one can pay off his or her entire balance. Likewise Crown Financial says something similar in their book on finances, so if one has this conviction be careful and use it wisely and only for budgeted purchases. If you however think that a Credit Card is a toy to go buy new entertainment, new iPhones, and other toys not budgeted then you have made a mistake.