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When I was younger I relied on my credit card as my "emergency plan." It only took one car breakdown to realize that it was a mistake. By the time the bill came with interest, the cost of that "emergency" doubled. Having actual savings made a huge difference later

For renting, it's mainly about protecting your property and making sure you don't end up with someone who has a history of evictions or unpaid rent. It doesn't guarantee a perfect tenant, but it gives you some peace of mind before handing over keys

That lines up with what I've seen too. Synchrony doesn't mess around when it comes to reporting missed payments. One slip can snowball into months of stress if you don't catch it fast