sugar_in_your_tea ,

That doesn’t indicate that most do, just that enough do to sustain a business. A lot of people get into trouble, but I doubt it’s a majority.

In my experience, nobody I know has told me that they’ve gotten into trouble with credit cards, other than one coworker (we were talking about PF) and one other coworker hinted at it (said they went through a bankruptcy). I’m sure a ton of people do, but most that I talk to have been able to manage their debt either by avoiding interest or having it only temporarily (e.g. many will say they finally paid off the cards after a hospitalization or whatever). I grew up middle class and am still middle class, and most of my friends growing up were my same income class or lower.

Most of the wealthy people I knew got into trouble with larger loans (e.g. buying toys like cars, recreation vehicles, vacation houses, etc), and most of the poorer people I knew stuck with cash and avoided investing. Neither got into trouble with credit cards.

I think my experience is a bit different because I don’t like to be around people who spend on consumer nonsense like restaurants, clothes, etc, and that’s where people tend to get into trouble with credit cards. I instead prefer to entertain at my house, visit friends at their houses, or go on outings like camping. So I self select people who tend to avoid credit card debt.

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