[posterchild]

Credit card use doesn’t cause debt any more than gun ownership causes murder.

[ctdonath2]

Credit card use IS debt.

Better analogy is firearms use causes holes in things.

Whether debt or holes is a good thing depends on the application and circumstances.

[derllak]

Yeah, but when you’ve got one, you’re more apt to use it. :)

I don’t have a credit card and I do just fine without one.