Originally Posted by Abi's Mom
I didn't know credit card usage is some sort of belief.
I can see thinking it's not the way you want to go, or thinking it's unnecessary, or thinking it's not a good idea, but not believed in? hmmm
I don't know if this applies to the poster or not, but not paying interest is part of Islam. Credit cards are okay as long as there's no interest paid... so in that case, anyway, not incurring credit card debt would be part of religious beliefs.
I pay off my credit cards monthly and put everything I can on them, which means I pocket about $150 a year through cash back programs, and since I pay online I don't even have to buy stamps. So, no credit card debt. I have 15K or so in subsidized student loans right now. I'm in grad school, so the government picks up the interest, and I'm hoping to be able to pay a good bit of them off as soon as the government stops covering the interest (I have about 7K in savings right now as well, and while some of that will go towards school expenses and living expenses for the rest of the semester, most won't).