No most people do NOT have that snese is why Dave advises against it. If you have the good sense to do so, it is your choice to make. My father also charges everything to a crdit card and pays it off each month.
I, on the other hand, having failed in the past, do not. I have no credit cards, nor a desire to have one. Been down that road and am never going back. I now have no debt and paln to keep it that way.
Being in debt has little to nothing to do with a credit card.
I don’t have a credit card, yet I am in debt. Having said this, I’ll admit my debt to income ratio is less than 30 percent and my home will be mortgage free in 8 months, and I’m only 53.
In other words - contrary to what Dave Ramsey preaches - being in debt is no great sin.