O.K....I'm going to pick on you....so....you charge(like I do)....you pay it off every month....you have NEVER, EVER run a balance(even just for a month)....yes/no??
Of course I have.
I have several thousands on a card right now. It's @ 0% interest though.
There have been struggled times, were it just couldn't get paided off. There was even a time some didn't get paid for several reasons.
Life happens, you just do your best to make sure the worst parts don't happen often nor are they as bad as they could be.