Look, I’m a Catholic, and so I tend to feel guilty about a lot of stuff. I’m starting to feel a bit guilty about being the only one on the public square in favor of credit card debt. Every expert is against it, you can see columns like this one nearly every day somewhere.
Of course, the credit card companies also want you to use credit cards, which makes me the equivalent of Milton Friedman, the economist who favors drug legalization. Credit cards are legal, but they are addictive and it can be difficult to break free of them.
That’s why I really only advocate using them if you have a specific plan for using them, and then getting out.