Some background, thirty years ago I had a first wife, who has been a ex-wife for almost 25 years now and she never knew when to quit, so first I got rid of her, then paid off the cards and for the last twenty years I very rarely use CC, only to buy stuff on-line like airline tickets or other stuff, but other than that if I don't have the cash, I don't buy it and I mean anything, house, boat, car, no cash, no buy.

CC owned me once, never again.