A persistent myth among people new to credit cards is that you don’t need a card unless you’re planning to carry a balance on it. After all, if you can afford to buy something outright, why not just pay cash? A related belief is that if you do have a credit card, you should carry a balance...
from NerdWallet
https://www.nerdwallet.com/blog/credit-cards/credit-card-not-carrying-balance/
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