I haven’t been credit card debt free since 2002, and even then, I had been credit card debt free for only a couple of years. Since 1988 I have had credit card debt for all but two years. That’s 18 years of debt that is now gone for good and here are the reasons why:
I’ve realized how destructive credit card debt can be. It’s destructive in more ways that just the high interest and the financial bondage I’ve suffered under.