We have several credit cards, but zero credit card debt. ALL cards get paid off every month. The cards we have are mostly "store cards" which give cash/credit incentives for shopping ther, which we already do. One card is issued through our credit union. House has no mortgage, both cars bought for cash. I think we've been debt-free for twenty years now.
Both my wife and I came from (relatively) dirt poor but hard-working parents. We both earned PhD's in chemistry paid mostly from our own earnings/scholarships and "some" student loans. We paid off the student loans in five years after graduating. Both sets of parents imbued us with a work and save ethic (they all having lived through the Depression).
Today's younkers don't have a clue.
The United States is an awesome place. I have not finished a degree, yet am able to be very productive.
God Bless all of you & yours.