If you've been listening to the podcast for a while, and certainly if you've been reading the blog, you'll know I'm a big fan of using credit cards responsibly as a tool to earn rewards, build credit, and protect your purchases and travel. However, some people in our personal finance circles believe the best way to become debt free and stay that way is to not allow yourself to have such easy access to spending and debt. Steve Stewart is the editor behind the MapleMoney Show and we're in great company as he also edits podcasts like Stacking Benjamins, Choose FI, and Afford Anything. Steve became debt free and a big part of that was avoiding credit cards. Steve shares his story today and gives some great rebuttals to my examples of times we might need a credit card. You can find the show notes for this episode at https://maplemoney.com/stevestewart  In this episode, Steve mentions the importance of checking our credit reports for signs of fraud and other errors. Our sponsor Borrowell provides free credit reports so you can ensure it's correct and take steps to fix it if needed. To get your free credit report, head over to https://maplemoney.com/borrowell