RE: RE: DAY 1 OF HELL ON EARTHI don't owe any credit cards or anyone else for that matter, paid it off in my late 20's and vowed to keep my money for me instead, which allowed me to become mortgage free before I turned 40. Never had a new car, the old ones last and cost a fraction. Maybe when INT comes thru again, I spent the last chunk on renovations and travel and clothes.