Oh bullshit. I pay mine, what little outstanding I have, on time.
But when you come up short and have to make the decision between your plastic or your home, you make sure you keep that reply in mind!
I only borrowed for my primary home and it’s been paid for for 19 years.
I bought my condo and everything else i’ve ever oened including my airplane for cash.
I have a convience card (credit card to you) but it is always paid in full as soon as the monthly statement is available.
No one should be allowed to default on any loan or contract.