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<p>[QUOTE=&quot;myownprivy, post: 2632353, member: 84588&quot;]I don&#039;t think most consider a mortgage &quot;debt,&quot; in the sense that it was raised in this thread. The vast majority of Americans require a mortgage to own a home. Yet, despite their mortgage, still save and invest as they should. </p><p><br /></p><p>Secondly, carrying a balance on a credit card to build credit is backwards. You improve your credit score through making timely payments, even if that timely payment is to pay off your balance in full every month. By carrying a balance, you are costing yourself money needlessly, and you are actually hurting your credit score by raising your debt to credit ratio. Ideally, you would use the least amount of credit extended to you as possible.[/QUOTE]</p><p><br /></p>

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