My husband used to think the same way as you Jorge. He had credit card debt, I had zero debt. With credit cards you can maximize your spending. For example…use the credit card with bonus points on groceries and turn those bonus points into a free airline ticket. Renovate a room in your home using a credit card with a bonus category at Home Depot and earn points for free travel. It’s using a credit card for those things you have to buy anyway, pay off the card completely each month (no finance charges), and reap the rewards. It’s not for everyone, especially those who can’t seem to pay off their cards each month.
I showed my husband how his spending $100 on a credit card was costing him $108 and no points and when I spend $100, I shop through Rakuten for coupons and cash back, use the right credit card, pay off the balance each month and it would only cost me $80 and earn points toward free airline tickets to Ireland.
MillionMileSecrets isn’t about accumulating debt, it’s about maximizing expenses, collecting points, and utilizing those points for travel, experiences, and merchandise.

The key is to spend what you can pay off every month and not carry a balance. The number of credit cards you have does not equate to the amount of debt.

I have close to 20 credit cards, and pay them off every month based on my regular budget. The key is to use the cards responsibly.