We have a lot of debt but it's mortgage and student loans, some dental work and recently, $4k in vet bills to save ruger's life. Our credit card debt is negligible, I have maybe $400 I'm carrying, my wife about half that, and generally we carry about that much plus or minus, I use mine for tools and stuff for the garage, she uses hers for occasional shopping trips, but hers has a huge limit in case of emergencies.