I used/abused credit cards in college. It didn't get outrageous (compared to the debt that a lot of people carry) but I finally saw the error of my ways, cancelled the cards and finally got them paid off a few years ago. Huge accomplishment for me.<br><br>
I have a Sears card that has just a little over $1000 on it from when I bought my appliances. It would be paid off 'cept I had to take on a car payment a few months ago, so the pay off will be a little slower than planned. I haven't opened any other credit cards, and don't intend to for a while, if ever. I don't think I can handle the temptation.<br><br>
Having credit card debt makes me nervous.