What does Suzie say that different from Ramsey? Aside from not making videos featuring magical Savings accounts with %8 interest.
At a minimum, Orman likes credit cards. She is a paid FICO mouthpiece, so she puts a lot of emphasis on keeping a high FICO score. Ramsey, on the other hand, pushes a philosophy of no debt (with a guarded exception for a 15 year fixed mortgage that's not more than 25% of your paycheck - and even then, he espouses the "100% downpayment" ideal). Orman also, until recently, didn't emphasize having a liquid emergency fund of 6+ months in savings - she said credit card access was good enough...until the card companies started slashing limits. Finally, she espouses the idea of separate savings and credit accounts for women, in case of divorce. Ramsey characterizes that as Orman hating men.
I think that somewhere in the middle is more realistic. No credit card debt works for me, but I still use CCds for convenience and security (debit cards, for example, are problematic in terms of large holds placed on the account, plus fraud can clear out your cash until the investigation is finished). I also work in an industry where credit checks are routine - so the idea of "no credit score" is NOT the advantage that Ramsey thinks it is. I also agree with Orman, that women SHOULD have their own accounts and credit history. My DH and I have separate finances AND joint accounts, and it works well for us. Ramsey believes that when you're married, all finances should be joint. A little...southern and provincial, to my mind.
Complete sidenote, what does 'DH' stand for?
Also, I'm a fan of CC's. While I have been dumb in the past and maxed out my credit cards (and they're still way too high at the moment), I know their uses and agree that it's safer than debit cards. I've started a very
aggressive plan to repay my debts, and I've learned from my mistakes, but I agree with you on this one - in the middle is best. I have gotten to the point where I don't use my CC's that much at all, but once they are paid off completely I will still probably utilize them with a much stricter budget placed on myself. Paying off cards in full every month is key, IMO.