Discount Tire gives you 5% off if you use their CC but they won't give you a discount for cash. Never have understood why. I make a point of buying expensive tires and use their card to get the discount.

Just saw on the news. Average credit card balance is $6,400. We use them but pay them off monthly.

A 5% discount on tires is a pretty lousy discount and hardly a reason to use their branded credit card. I buy all of our tires from Discount and I always talk them down significantly more than 5% from the list price.

I don't carry a balance on personal cards. There are some months where my business card has 80k on it but the balance gets paid every month. I have an aversion to debt and have never borrowed money even on a credit card. I may change my tune if the car manufacturers bring back 0% intrest like they did shortly after 9/11.

When you're young, maybe newly married, moving into your first house, it is VERY easy to get in a little above your head.

A 5% discount on tires is a pretty lousy discount and hardly a reason to use their branded credit card. I buy all of our tires from Discount and I always talk them down significantly more than 5% from the list price.

Eons ago I caught shoplifters at a retail store for my college job. Caught one fella and his mother stealing. He was on a long-expired student visa and his mother was also here illegally
Couldn’t figure out why he had about twenty credit cards in his wallet. All legit and all in his name. The arresting police officer explained to me in a roundabout way it’s a well known scam to open one card, charge it full, before it affects the credit, open another to pay the first in full, open another to pay off the second, and so on.
Charge everything to the max with no intent on ever paying a dime before they return to their country.
Asked him how much one could get away with, his only response was “more than you want to know”

As far as credit cards, I have one. Only use it for fuel or emergencies and paid off monthly.

When I married my ex wife she brought a CRAP load of CC debt w/interest rates to the table along with a crap load of student loans that she couldn't pay for.

Yep, your debt is mine now baby I'll take care of it and we'll be way better off for it down the road......I'll do what's needed, let's just focus on the future..

The future is me paying off a chit load of her debt and paying child support and then some now.

If I ever get close to a woman again, the first mention of her credit card or student loan debt I am OUT! Period.

It reeks of irresponsibility and future issues.

Just stay away from those vile creatures, amigo. You’re better off rolling the dice in Vegas, whether they have debt or not.

And you know what, these morons will still vote democrat.

Plenty of one upper opportunity here!

We have not carried a balance in more than 20 years.

I am actually shocked that number isn't higher. We charge almost everything to our card, but pay it off monthly without ever having to pay a dime in interest. We use our rewards points toward free vacations about every 18 to 24 months.

Dude ,,, i've never had a CC ...