Or they never carry a balance on their card Responsibly using CC isn't about "relying on future income to pay off present debt". If you have 5k in the bank, do

Or they never carry a balance on their card Responsibly using CC isn't about "relying on future income to pay off present debt". If you have 5k in the bank, don't spend more than that, and pay it off at the end of the month (or if you're paranoid like I was right out of school, pay it off every week)