The article discusses the advantages of using credit cards, especially cash back cards, which can reward responsible users with money back on everyday purchases. By not using a credit card, the Reddit user is missing out on potentially earning hundreds or thousands of dollars in rewards, as well as enhanced purchase protections for items bought. It emphasizes that as long as one manages their spending wisely, opting for a cash back card is a beneficial choice.
One of the biggest things the poster is missing out on is a chance to earn free money back on things that he has to buy anyway.
As long as you are responsible with your credit card spending and not likely to end up in debt that you can't pay back, there is really no reason not to get a cash back card.
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