Dave Ramsey is not right about everything. Credit cards have many advantages over cash or debit, if you have the discipline to not carry a balance.

I pay every bill and purchase I can with a no-fee credit card and use the reward points for airline tickets and over $1,000 a year in lowes gift cards which gives me $50 for $40 worth of points. Just don't carry a balance. Pay it off every month.

Further-disciplined use of a credit card helps build a good credit rating which these days afffects more than credit, ranging from insurance, qualifying for a mortgage, to employment opportunities.