Yes, I received the survey as well. From what I read on last years Boren post, the survey does not mean much. What we are waiting for is the email for "updating our budget".
Yeah, I think you are incorrect about which people don't understand how credit works. I use my credit card for most things because it builds a credit history and I get cash back from it. Plus it means that I don't have to carry much cash. I pay it off in full every month. I have an excellent credit score. At least in the US, you need a good credit history to make a lot of major purchases (a car, a house) and if you don't establish that history, you won't be able to get good terms for, say, a mortgage.
collegemom82 got a reaction from snowblossom2 in Boren 2012-2013
collegemom82 reacted to starmaker in Credit Cards: How come so many people don't understand the basics of credit!