| I've got a Credit Card story to tell.
I had a CC once with a limit of 5k. After I had some engine trouble with an old Rodeo of mine, I spent almost 4k (on my CC) replacing it. I ended up maxing out in no time. About 4 Years later, I was still making the ~200$ minimum payments and occasional fees from not paying on time (money was tight) bumping me right back up to about 5k every month. I was going nowhere, just paying 200 bucks a month to a credit card company and not even getting debt paid off. Finally, after my wife and I got married, we received a fairly large gift of money. The debt was IMMEDIATELY paid off, and my personal credit went from poor to exceptional (I think it was either 725 or 735 when we bought the house). Life got so much better after that. Every credit card I've ever owned got shoved into our safe and forgotten about. Neither of us plan on ever touching one again... especially me since I have a harder time than she does not using them.
Anyway, that's my story and why I hate Credit Cards so much. I don't ever want a Credit Card or a Line of Credit again. All they are is trouble for a guy like me.
Now that I've been away from that kind of debt for almost a year, we've got Bonds, CD's, Savings Accounts, 401k's, and other investments. It's amazing how much less stressful life is without debt. | 
