Welcome to the Money Tree Investing Podcast.

Stock market, wealth, personal finance, value stocks, invest in your life.

Welcome to the Money Tree Investing Podcast.

I'm your host today, Linda P. Jones from the Be Wealthy and Smart podcast.

Today we have a special guest, David Shellhammer, who is a credit card enthusiast and has

taken a lot of time to learn about credit cards and is going to share great information with

you today about all the special benefits that can be provided by some of these cards.

It's a fun interview.

Here we go.

I'm excited to have on the show today,

David Shellhammer, a credit card enthusiast who's going to talk to us about how to use credit cards to your advantage. Hi, David. How are you today? Hi, Linda. I'm doing well. Thanks for having me.

Thanks for being on the show. I'm so excited to have you here. This is a topic that fascinates me.

I've delved into this just a teeny tiny bit, but I know that you are much more knowledgeable in this area,

and I wanted to share this with all of our listeners. So first, tell us how did you get into

using credit cards and finding out all the advantages about credit cards?

When I got my first credit card, I was just out of high school. It was just a very basic 1%

cashback card that I liked a lot because I had been told to just sort of put my normal

expenses on it while I was at school and then I would pay it off.

And that came with an I expected benefit of also getting one cent back for every dollar that I spent on that card, which I thought was a nice little bonus.

I mean, as a student, I wasn't spending any huge amounts of money

and earning any huge amounts of rewards, but even 1% back is better than 0% back, was my

thinking. And then I just happened upon some articles talking about these really interesting, we'll say, characters that were finding

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