Season 6 Episode 197
Are you confused by all the credit card offers you get? Do you want to use credit cards wisely without getting into debt? It can be hard to pick the right card when there are so many choices and rewards. If you're new to credit cards, you probably want to find the best one for you and learn how to use it well. Listen to Ralph Estep, Jr. on the Ask Ralph Podcast as he talks about these common problems and gives helpful advice for beginners and business owners.
In this show, Ralph explores the challenges of responsibly building credit, choosing the right card for your needs, and navigating the enticing world of rewards. Join us as we break down the essentials of credit card selection, discuss biblical wisdom on financial stewardship, and provide actionable tips for managing your credit responsibly. This episode offers valuable insights to help you make informed decisions about credit cards and use them as a tool to build financial success.
00:00 Episode Overview
01:37 Listener’s Question
02:34 Bible Verse
03:06 Why Do You Need A Credit Card?
03:27 Credit Card For Beginners
04:11 Truth On Credit Card Rewards
04:37 Tips For Using Credit Cards Wisely
05:41 Final Thoughts
06:02 Outro
If today’s episode encouraged you, we’d love to invite you to be part of something bigger — the Financially Confident Christian Community.
This is where faith and finances come together — a growing family of believers supporting one another, sharing encouragement, and helping spread God’s truth about money.
Your membership helps keep the show free for everyone while funding new devotionals, study guides, and outreach resources.
👉 Learn more and join the mission at financiallyconfidentchristian.com/join
Together, we’re helping believers everywhere break the cycle of financial shame and live with confidence in Christ. 🙏
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Submit your questions or ideas for future shows - email us at
ralph@askralph.com or leave a voicemail message on our podcast page
Published on 1 year, 5 months ago
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