I learned my lesson the hard way. I no longer have ANY carry-over credit balances. Zero debt.

I used to for many years but as of March 2022, debt free! yay!

I got rid of all our credit cards years ago. The interest is ridiculous! You end up paying a lot more in interest than the the cost of the items purchased!

If I don't have the money...I don't buy it. Interest rates are ridiculous!!

Not for decades.

Have always kept a zero balance because I can

No! Since I found out about Dave Ramsey and his concept for staying out of debt, it has become important to me not to do so.

No. But I understand if people have to, but we are blessed enough to be able to pay it off every month.

We pay off all charges each month.

Why buy more than I can pay for? The federal government does that, which causes inflation.

My credit card pays me, in the form of points. I do not want to pay my credit card company.