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.
You use your credit card the right way. You probably have a good credit score.
So many people get into trouble with credit cards. Then, they claim they’re poor, no matter how high their income is. They cannot control their spending.