At one point I had 4 credit cards that was fully maxed out and I had to make big payments which caused me to live from hand to mouth.

I was in a bad financial state where I was basically working and earning money just to pay my debt.

I have brought my debt under control by cutting up some of my credit cards and just making payments on them.

So I have manage to bring my personal finance to a stable condition and I cleared a credit card and about to clear another one. So from personal experience with credit card debt I have come to realize that it is not the credit card that is the problem, but my bad personal financial management and reckless binge spending.

I'm now on track to become 100% debt free within a couple of months and you can too.

A credit card can be very helpful in a financial crisis or emergency or even help to build a good credit record.

What I'm personally looking in to at the moment is to have 1 credit card and to bring it to a positive balance. In other word you clear the credit card and bring it to a zero balance and then add your own money on it nd bring the credit card to positive.

So if you swipe the card then you will use your own money first.

Some people buy stuff on their credit card and then pay the full amount in one go as soon as they get money within e.g. a space of 30 days. What this means is that they use other peoples money to buy stuff and then settle it within the bank or credit cards company interest free period which can be 30 days or even 55 days.

Credit cards are not bad if you know how to use them.

So there is a good way and a bad way to use a credit card.