I recently got a new client and due to the COVID-19 lockdown we had to go through a lot of things virtually. When I have a new client, I always go through a pre-determined process that outlines specific steps and actions both the client and I need to take. One of the very first steps is to send the client a questionnaire to get some basic information about the client and get some insights into the client’s current financial situation and overall life philosophy. One of the questions in my questionnaire asks the client about his or her top five bucket list goals. Usually people list buying a house, travel to an exotic place, upgrading a car, saving for a college and some other things. But this lady mentioned that she wanted to stop using credit cards. It came as a little shocker to me. Of course, she is not alone in that attitude. I am hearing and seeing that many people, especially millennials, opt out from using credit cards in favor of debit cards. But are credit cards indeed as black as they are painted? Let’s find out.