January 23, 2015 (The Dave Ramsey Show)

"We're gonna choose baby over [paying] MasterCard every time." Dave Ramsey

January 5, 2015 (The Dave Ramsey Show)

"The credit card is the cigarette of the financial world; it was cool for a while but it will kill your butt." Dave Ramsey

November 20, 2014 (The Dave Ramsey Show)

"You are not gonna lose a house in Texas to a credit card judgement, they don't have the ability to take it in your State." Dave Ramsey

November 3, 2014 (The Dave Ramsey Show)

"Financial Russian Roulette: Putting company expenses on a personal [credit] card, counting on the stability of the company." Dave Ramsey

August 4, 2014 (The Dave Ramsey Show)

"When you are a little kid you learn to trade stuff and you're trading money for school supplies; when you use your credit card or even a debit card, what the little child sees is that you got your card out, swiped it, and put it back. There was no trade, you didn't trade your marbles. You got to keep all your stuff and you got stuff, so there's the lack of value transaction visually there." Dave Ramsey

July 29, 2014 (The Dave Ramsey Show)

"I just don't play with plastic, I don't play with these snakes because they bite." Dave Ramsey

July 29, 2014 (The Dave Ramsey Show)

"I've never met anybody that was a millionaire who said, Dave, you know I made all my money with my perks and I have met a lot of people who've misbehaved with AMEX." Dave Ramsey 

April 11, 2014 (The Dave Ramsey Show)

"You gotta break the back of this idea that debt is okay because we can make the payments; if I told you what those payments going into a Mutual Fund would be worth by the time you retire, you would throw up." Dave Ramsey

April 8, 2014 (The Dave Ramsey Show)

"The biggest downside of the debit card is that sometimes when you check into a hotel or rent a car, they will put a hold on a portion of the money in your checking account. So if you are very limited on money on your checking account and they put a hold on it and another transaction that you did tries to go through, it might bounce a check for you." Dave Ramsey

March 25, 2014 (The Dave Ramsey Show)

"If you get obsessive about points and rewards cards, if they change your behavior patterns much, you really lost the battle to them...just watch yourself being manipulated." Dave Ramsey

March 25, 2014 (The Dave Ramsey Show)

"The thing about reward cards of any kind is this: they are trying to get you to engage in a behavior that is to their benefit, otherwise they wouldn't be giving you a reward." Dave Ramsey

March 18, 2014 (The Dave Ramsey Show)

"This idea that the debit card is more risky than the credit card is absolute bull, the debit card has the exact same fraud protections." Dave Ramsey

January 29, 2014 (The Dave Ramsey Show)

"My debit card will take me everywhere your credit card will take you, it's a Visa and it will be accepted everywhere that Visa is accepted. Now, some hotels put a hold on your account for the amount of the room so you actually need to have some money in your account, hello, there's a thing. Don't be traveling without money and if you're too broke to travel, you stay home." Dave Ramsey

January 29, 2014 (The Dave Ramsey Show)

"I have four pieces of plastic in my pocket: a debit card on my business, a debit card on my personal account, a driver's license, and a handgun carry permit." Dave Ramsey

December 11, 2013 (The Dave Ramsey Show)

"Your FICO score only says you've borrowed money and paid it back, it's not an indication of your net worth or your income or that you're savvy with money; all it says is you paid bills and you were stupid enough to go into debt so that later you could go further in debt by building up your FICO score, which is a false measure of financial health." Dave Ramsey

December 11, 2013 (The Dave Ramsey Show)

"You could run into trouble renting cars from some companies with a debit card when you haven't arrived at an airport, in other words if you go up in your home town without having arrived by airport and just rent a car with a debit card, some of them won't rent to you. But it's really very minor compared to being freaking in debt to your eyeballs and paying all your income to a stupid bank and interest coming out your ears, all in the name of having a credit score!" Dave Ramsey

December 10, 2013 (The Dave Ramsey Show)

"Don't believe people when they say the debit card has higher risk for theft and fraud than a credit card does; Master Card and Visa both have debit card programs and they are treated exactly the same if you're not using your pin and running it through their system using the purchases as if it were a credit card." Dave Ramsey

November 4, 2013 (The Dave Ramsey Show)

"When you have $93,000 in credit card debt and you don't pay it, you have a beehive. This is Winnie-the-Pooh dropped a beehive on his head." Dave Ramsey

August 22, 2013 (The Dave Ramsey Show)

"If you don't have it in writing, it didn't happen." Dave Ramsey

June 3, 2013 (The Dave Ramsey Show)

"Nobody ever got rich using credit cards. You're telling me you use your credit card to get airline miles? I've never met with a millionaire that says -Dave, you know, my financial breakthrough was when I got my airline miles-" Dave Ramsey