Is Caleb Hammer Right About „Credit Card People”?

Is Caleb Hammer Right About „Credit Card People”?
Looking to learn more? Check out this related article from Ramsey:
Do I Need a Credit Card – https://www.ramseysolutions.com/debt/excuses-to-keep-credit-cards?utm_source=youtube_dave_ramsey&utm_medium=social_organic&utm_content=youtube_highlight_notes&utm_term=network_bu&utm_campaign=trs
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