I never had to pay a late fee or interest on a credit card.
Use it sparingly, only for a credit score. Charge less than 10% of the limit and pay the balance in full immediately.
When I was young and poor I had no credit card and was fine. Now I use them for convenience, pay no interest and get cash back plus security coverage. I always pay the full balance of course.
If I can’t pay the full balance, what would make me think I could pay high interest plus the full balance in the future? Especially if I keep using the card!
That’s crazy.