OMG. I just swore off credit cards. I won't even admit how much I owe. Well into 5-figures....let's just say it's less than $20K and leave it at that. 😱
[rationalization]BUT, I have things to show for it. Many people charge $5,000 and go to Jamaica and live high on the hog for two weeks. Granted, I've never been to Jamaica, but I've got enough tools (air tools too) to literally disassemble and reassemble a truck or car. I've got a nice HT, 30+ DVDs almost 300 CDs. I wear decent clothing. I have furniture. I own a washer and dryer, etc, etc.
Oh yeah...and a few pieces of computer equipment. 😀
Hell, you can't take it with you, right?
ps
I haven't been late OR missed ANY payment in 9 years. 🙂