I first trap in debt is because of using credit card. I was so eager to redeem points to get free stuffs. I kept in my mind if I using credit card I can also have free items from the redeem points. It’s all went out wrong when I start delay in paying the bill and the interest keep rocking up.

Now, I take bank loan to settle my credit card debt ( request for full settlement )and the interest is much lower. The monthly payment is also getting lower compare to the credit cards bill.

Anyway, don’t use credit card. Just pay cash to buy something. I’m agree with your title post . I have a happy life before I started using that plastic.