this post was submitted on 23 Oct 2023
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I got my first credit card entirely to build credit and I paid off every transaction daily. I would classify that as arbitrary¹ debt as it is taking on "debt" for the sake of entering the system. I was much happier with a debit card at the time and still dislike having to pay it off every month. The cashback on my newer cards is nice though (didn't have that on my first one).
¹ I am reading arbitrary to mean unnecessary.