I agree that credit cards
should be treated as
a convince.
Some are trapped due to
catastrophic circumstance.
The key, for me, is to
try and pay twice the
minimum called for.
Through diligence and
shear determination,
I’ll see that balance
to zero.
A few rounds of major hospitalization did it to me. I’ve paid off the vast majority of the individual accounts.
I think in 14 to 18 months with strict budgeting and nothing else big happens, that should be gone.
The only actual debt I have now.