no i assume everyone who has MULTIPLE credit/debit cards have debt not everyone who has A credit/debit card. Plus I dont have a credit card to a) avoid dent and b) i dont like owing ppl money. The way I see it if I dont have the money for whatever i want to buy in my bank account then that just means Im not meant to have that item yet and it can wait
You miss read me i have about 5 cards all zero balance. Khols for there 30 % discount , old navy 15-30% discount, amex for costco and get money back and cheap gas. The point of credit is charge than pay it off I agree some people use it as "free" money but not everyone. the money I save using my cards to buy things i get normally has been ALOT over the years.