The Road to Wealth–Debts and Credit Card
The chance to attack the debt you have needs courage and action. Using debt with wanting desire is not a great decision to help your financial status. The belief that debt is a tool to create prosperity may obstruct your debt-free life by attacking debts. Most loans including predatory lending are planned for low-income people and the beneficiary is only the owner of the company of the loan.
For the credit card, you are not necessarily required to get a credit card to build your credit except for the mortgage. In case of needing a card to pay, the debit card will play a role in that case. Certainly, you need to accept the truth, you will prosper without debts because debt is not a tool to guide you to be rich.
As a practical action, you can start by attacking your debts while saving money and emergency funds.