The Ramsey Show Highlights They Called Dave Ramsey To Ask If They Should Get A Credit Card
Dec 16, 2025
A nurse practitioner shares her debt-free journey and asks about the merits of a business credit card for points. Dave warns against the allure of rewards, emphasizing that credit cards often lead to debt and distraction. He suggests focusing on core business growth instead. Ken Coleman adds a light-hearted analogy about temptation, likening points to having ice cream at home. The conversation concludes with encouragement to stay grounded in financial practices that truly lead to wealth.
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Debt-Free Business Owner Uses Debit
- The caller runs a debt-free medical aesthetics business and pays large monthly purchases with a debit card.
- She asked whether getting a business credit card for points would be harmful.
Prefer Debit Over Business Credit Cards
- Avoid business credit cards when you always have funds and use a debit card instead.
- Debit cards prevent the temptation and risk of carrying revolving credit that can lead to debt.
Points Distract From Real Profit
- Points are a poor wealth-building strategy because their monetary value is tiny compared to spending.
- Chasing points distracts you from earning real profit in your business.