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Originally Posted by Xazy
Yep, avoid credit card debt (unless 0 apr) is definately the way to go!
I disagree with some here, who say you should not use credit cards unless you have to. I use them, just make sure I pay them off always at the end of the month! If they will give you points / rewards for what is spent, why not get something back for spending.
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I agree with that. I use my credit card for convenience--easier than writing checks, but I pay the balance IN FULL each month. If people had to fill out an application for a loan each time they used a credit card, the point would be driven home better: IT'S A LOAN!! PAY IT BACK!!