I'll start by saying I've never really had debt. I've always been a "social" credit card user. If I use it, it's out of convenience and not because I don't have the cash up front.About March of this year I actually used my card because I indeed did not have enough to be paying for it. This was mainly because I decided to go to Mont Tremblant with friends for reading week (which was probably the best trip I've ever gone on, so no complaints). I've been making steady minimum payments, so it never went down.
Summer job to the rescue! Zero dollar balance on my visa now. Funny thing though. the amount I needed to pay was the exact same (minus 9 cents) as my paycheque.
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