Originally Posted by skyvue
The point of the post is they needed to use their credit cards because that is the only way they have to pay the bill.
I understand that point, but I disagree. When I got behind on my credit card accounts, I kept my checking account as close to zero as feasible, since I wanted to use all my cash to minimize interest on my credit card debt. It didn't make sense to me to keep money in cash for an emergency, when (1) that cash was costing me in extra interest on my credit card, and (2) I didn't need the cash for emergencies, because I could use a credit card for that. When you have a CC and good credit, it seems to me to be bad advice to keep an emergency fund in cash.
You've pointed out that a bad thing about CCs is they tempt you to buy too much on credit. I knew that. I'm pointing out to you that a good thing about CCs is that they make it unnecessary to have a cash fund for emergencies.