Also an outlier - the whole reason I don't have credit card debt is because I'd rather "pay now" lest I "forget later". I know I'm really bad with remembering t

Also an outlier - the whole reason I don't have credit card debt is because I'd rather "pay now" lest I "forget later". I know I'm really bad with remembering to pay monthly bills if they don't pay themselves so buying things on credit involves an extra step of "paying it off immediately" which AFAIK defeats the entire purpose and negligibly, if at all, builds credit. It's a debit card with additional hassle added to every single purchase. No thanks.