I'm not bragging, but it true - I don't carry any credit card debt, and least no longer than 30 days. My Dad taught me this very valuable lesson when I got my very first card back in the 70's. It's a simple lesson - never spend money you don't have (meaning someone else's) and always only spend what you can pay back. It's served me well my whole life.
That's why I have a 800+ credit score.
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