What is Dave Ramsey's stance on credit cards?

Dave Ramsey's stance on credit cards centers around his belief that they lead to debt and financial instability. He advises against using credit cards and emphasizes the importance of living within one’s means, which he argues is best achieved by using cash instead. Ramsey promotes a debt-free lifestyle and suggests that using cash can help individuals avoid the pitfalls of overspending that often accompany credit card use. His financial philosophy encourages people to build savings and budget effectively rather than relying on credit, which he sees as a tool that can create financial bondage for many. This perspective aligns with his broader teachings about financial peace and responsible money management.