Should Edgar use his credit card for textbooks?

Using a credit card for purchasing textbooks can indeed be seen as a manageable expense, particularly if the card has a low-interest rate and the individual plans to pay off the balance promptly. Textbooks constitute a critical investment in education, and using a credit card can provide certain benefits, such as rewards points, fraud protection, and the ability to build credit history.

Furthermore, managing textbook purchases with a credit card can offer financial flexibility, allowing Edgar to buy necessary materials without having to pay the full amount upfront, provided he plans responsibly and has the means to cover the expense. If he treats the purchase like any other bill, budgeting to pay it off before accruing interest, it can be a sound financial decision.

In contrast, relying solely on cash might limit his access to essential educational resources, especially if he doesn't have enough saved up at the moment. The suggestion that it depends on the credit limit or that he should only use cash introduces unnecessary constraints that may not be relevant to the financial strategy if he uses credit wisely. This reinforces the idea that when handled with care, using a credit card for necessary purchases like textbooks can be a smart financial move.