re: How much credit card debt are you in?

quote:

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aven't used credit cards in 4 years so $0. Best financial decision I ever made. You can have your reward points

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Hey if you are aware enough to know that you can't be responsible enough to handle credit cards, I applaud you. Credit card points can be very lucrative, but if you can't control your spending, then you're better off not even having that ability to overspend. You are obviously not alone in that battle.