Listening Time: English Practice English Listening - Credit Cards in the US
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Dec 15, 2025 Discover the unique role of credit in the U.S. and how it shapes daily spending. Explore why credit cards are the go-to payment method, with insights on cash back rewards and strategic spending to maximize travel benefits. Learn about the risks of debt and interest, plus the importance of maintaining a healthy credit score. Connor shares personal tips on using multiple cards for security, rewards, and effective money management. This informative discussion equips listeners with vital knowledge for navigating the world of credit.
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Credit Cards Dominate US Payments
- Credit cards are the most common payment method in the U.S. and often expected in many places.
- Digital wallets and cards now make up a large percentage of transactions and cash is declining.
Personal Card Usage And No Debt
- Connor says he uses credit cards for almost all transactions and holds four cards.
- He also immediately pays off charges and never carries a balance or credit card debt.
Rewards Drive Card Choice
- Rewards are the main reason Connor prefers credit over cash or debit.
- Category-specific cash back and points accumulate into meaningful value for routine spending.