For years I was a credit card junkie and in serious debt. Seven years ago, after paying it all off, which took three hard years, I vowed to use my debit rather than credit cards whenever possible, but when necessary to use credit never to charge anything I couldn’t pay off in two weeks. I’ve stuck to that religiously ever since and, except for a mortgage and auto loan, have zero balances. It’s a great feeling, let me tell you.