And I have Zero Payments (Title in Hand)
I 100% agree.
I've never owed a dime of money. I say pay cash and never borrow any money for anything.
I was asked to look an account (as a money manager). She rolled over a $25K credit card account to get a 2% bonus in points. She paid 25% interest to get the bonus?
I also heard that more than 50% of consumers do not pay off their 25% balances (I get it when bad things happen for a few months).