“Poor” - When you are already living frugally (e.g., no new car, no expensive cell phone plans, no eating out regularly, etc) and can barely afford the basic necessities (e.g., paying the rent, keeping the lights on, etc).
I do not consider people who are “poor” who are struggling due to things like credit card debt from buying unnecessary stuff. Just stupid.
That being said, it’s another story if you are using your credit card to pay your necessary expenses (e.g., car repair, food, etc). Many poor people are forced to do this.
And you are working to try to improve your situation...