>> "it is odd for a consistently profitable company to avoid debt" It's also probably not true, unless 37Signals uses their debit card for every random purchas

>> "it is odd for a consistently profitable company to avoid debt" It's also probably not true, unless 37Signals uses their debit card for every random purchase they make. A credit card is a perfect example of why debt is not categorically bad. If you pay off the debt within 30 days, you have a 0% interest rate. You also probably earned some kind of rebate, airmiles, or loyalty points. And you probably saved time over trying to pay for the product using cash or check. Purchasing with a credit card is a small example of how intelligent use of debt can be a wise business decision.