My 2 cent... if you have the ability to pay your card off each month, do so or don't use the credit card. It's just so easy to pay 1/2 one month, then alittle more the next but still using the card and before you know it you have a balance you can't pay off.

I have struggle for 20 years with credit card debt and I hate it, just hate it. Think of all the money you throw away (by paying interest) each month by not paying off the card. I just can't seem to pay enough to get rid of the cards. I'm in that vicious, horrible circle and am drowning!!!!

Your husband sounds like a wise man; I would listen to him!