this post was submitted on 25 Aug 2026
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Decades ago when I was in my 20s, I saw so many of my peers get buried in CC debt. I avoided CCs for quite awhile, but eventually realized I needed to know how to use them responsibly.
When I was in my 20s there was no app to pay a CC, but I accomplished the same thing by mailing in a payment the same day as I made the purchase, and did that for every purchase. This made that mental connection for me that spending on CC means immediate consumption from my bank account, and that if I didn't have the amount of money to pay for the purchase from my CC, I didn't allow myself to buy it.
With the exception of a few months when a major repair bill hit and I had to shoulder it on debt, this allowed me to never get into CC debt. I'm still using CCs heavily decades later, but always paying off the statement balance 100% ever month and never paying interest. I credit my behavior when I was younger to accomplishing this.