I used to have big credit card debt. It came from my lifestyle. I've paid it all off and now am debt free which is another potential problem. While I have credit cards, I never use them. I have large savings, a CD, a checking account, mutual funds, etc.
What I don't have is $10,000 in credit card debt.
And this could be a problem. I tried to get my credit score but flubbed the test when I couldn't remember the name of the parent company of the parent company that employed me 17years ago. I've got one more agency to try to get my credit score, which I sure is good because I've never missed payments (when I had them) or had creditors on my ass.
Nonetheless, it's a sad state of affairs when being responsible is a liability.
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