Received my first CC in grad school in the fall of 89. 700$ limit Hit the limit within 3 months, then I had a low paying research job for awhile and got another one. At this point I was about 1800 in debt. Then I had a decent/good paying job for 5 yrs. 8000 in debt. Then I gota great paying job (lasted 2 yrs). I paid the 8k off in 9 months and except for a total of 3 times, have never carried a balance since. A friend of mine went from making 27k (1998) (5k in debt) to over 90k today (60k in CC debt). Amazing.

Congrats on clearing your debt - always a good policy.

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