One simple rule that can change bad credit card behavior

Chip credit cards: Slower but safer

There’s evidence that using cash instead of credit can help consumers cut spending, but it can be hard to put this bit of financial wisdom into practice. After all, credit cards are more convenient than cash, and using them affords some benefits and protections cash can’t provide.

But a new study by the Urban Institute and D2D Fund offers a middle ground that consumers might find more realistic: Use cash for anything under $ 20.

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