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Don't have a CC, debt is a trap don't fall for it. I'm a monero maximalist.
Having a CC doesn't mean you have debt...
Credit cards make you in debt to the bank and your debit card balance is the bank's debt to you.
CC "debt" that's paid off in full every month is debt in the same sense that eating at a typical restaurant puts you in debt.
Don't get me wrong, unmanageable CC debt is a real thing, but that's not what we're talking about.
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