>> Do they include people who buy everything on the card to get cash back or convenience and pay it off every month before interest comes due?
An excellent question. That strategy defines the Tick household to a “T”. We have $5K to $10K CC bill every month, and we pay it off in full. We have zero other debt.
I asked the same question, because if you do that (and I do it also) and run your credit report it appears like you have credit card debt, when you don’t really. Because at the moment they checked you did!