I only use my credit card because of the cash-back rewards. I get a few hundred dollars a year in cash back and I have never made a late payment. For the most part, I don’t understand people who buy things they can’t afford, especially with a credit card. There is no way I will subsidize such people. I’ll simply use my debit card instead.
Same for us and if they charge us we will use cash or debit card.
Lots (65%+) of this can be traced back to Illegals.....who bought home, had credit card, our schools (going broke because of illegals kids in schools), healthcare, welfare by illegals. They got all of this and lots of them just pulled up and left.....bills and all. If our Congress would tells us the truth housing is 65%+ illegals that are upside down in these homes. And they just left us holding the bag ie TAX PAYERS!