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[–] 4 points 1 year ago (1 child)

Credit cards don't have to mean debt if you pay them off before the intrest applies. That's how you use them responsibly. Many don't.

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  • [–] 6 points 1 year ago* (last edited 1 year ago)

    It's debt regardless of whether or not one pays interest. Debt isn't linked to interest. Just means that you have an obligation to pay money to someone.

    EDIT: Though in fairness, if one never actually uses a credit card at all, then one never takes out debt, so I suppose it's probably better to say "if one has a credit card that one uses".

    EDIT2: Though all this is not to diminish your point that not carrying credit card debt from month to month is generally a pretty good rule to live by.

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