They Called Dave Ramsey To Ask If They Should Get A Credit Card

The Ramsey Show Highlights

Ramsey Network

Education, Investing, Business, Self-improvement

4.5 • 838 Ratings

🗓️ 16 December 2025

⏱️ 5 minutes

🔗️ Recording | iTunes | RSS

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Transcript

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0:00.0	Brought to you by the Every Dollar app. Start budgeting for free today.
0:06.0	So I own a small business, a medical aesthetics practice here in our hometown. I'm a nurse practitioner,
0:13.0	and I've built my business debt-free. I have no debt here at the business, and I make pretty heavily purchases every month that I just pay off with my debit card, you know, $10,000, sometimes upwards of $20,000 for products.
0:30.1	And so my question is in regards to getting a business credit card and the downfall of what that would be. I think we kind of live in the
0:41.4	Ramsey mindset. We're debt-free. I only purchase things if I have the funds to purchase them.
0:47.5	So that is, was my question, what the harm would be in getting a business credit card for points.
0:54.9	Well, if you only purchase things if you have the money, then a debit card will work, right?
1:02.2	Correct.
1:03.1	Okay.
1:03.9	And so your only motivation is points?
1:07.8	Well, I mean, yes.
1:10.2	Well, I was thinking of if I have to purchase it anyway, should I be trying to get something in return because I have to then have additional funds?
1:20.5	Yeah.
1:20.9	And so is your business working?
1:22.5	Are you making money?
1:23.4	Are you successful?
1:25.2	I am.
1:26.1	Good.
1:26.5	Good for you.
1:27.0	Congratulations. Well, that's where you make your money
1:30.0	in running your business well and in being who you are and providing the service that you provide
1:35.6	that's where all your profit comes from that's where your prosperity will come from is in being you
	...

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