Originally Posted by EmsMom
No credit card debt here. I use mine for everything for the points and pay it off every month.
Here too. At our worst point, though, we had approximately $35K in credit card debt Never, never again (knock on wood, spit twice, sign against the evil eye, etc.). We paid the last of it off around 4 years ago and have lived a different life since then.
Originally Posted by TiredX2
BUT, if you asked our credit card companies at any time how much we owed, the amount could vary from $0-$8K easily. Actually, I don't think it ever gets down to $0 because by the time our payment for one month is due, we have already made charges for the next month. So, even though we pay our full amount each month it could easily look like we owe thousands of dollars.
Good point. I'd also imagine that a good percentage of people who are carrying a lot of credit card debt are not hanging around frugal living sites. We (OK, I'll admit it, mostly me) built up our debt over 10 years, and it was only after we got really scared that we started focusing on living within our means and being intentionally frugal to get rid of that debt. Prior to that, we were living in quite a bit of denial, as one might imagine!