This post is to acknowledge that I have managed to remain out of Credit Card debt for three years now. More recently I have used the card that I have, but I have used it for it’s insurance features rather than the carrying a debt over several months feature. I made sure that I had money in the bank prior to using it. I remember paying it off about two days after I charged it to the account. The online statement system couldn’t handle it. It said I had to pay a minimum payment but I had no balance. I have absolutely no intention of carrying a debt now – it becomes just another bill to pay!