My Dave Ramsey Review, Why Dave Ramsey Says That You Shouldn't Use Credit Cards, and Why I Sometimes Use Them Anyway Dave Ramsey actually has very strong logic when he says the news credit cards, and that there’s been tons and tons of research on the subject actually spend 14% more money when he use a credit card versus if you use cash or debit card. He also goes on to say that if you do use cash in the least [...]