[…] In a world where managing finances has become a challenge, it is important to explore strategies to avoid accumulating debt and prevent overspending. An effective tactic adopted by consumers is abstaining from credit card ownership, a recommendation corroborated by findings in the “New Reality Check: The Paycheck-to-Paycheck Report — The Credit Card Use Deep Dive Edition.” https://www.pymnts.com/credit-cards/2023/most-consumers-opt-out-of-credit-cards-to-avoid-accumulatin… […]