Credit cards are the definition of arbitrary debt. If the correct way to use them is to pay them off every month, and the only reason is for points/benefits, they are completely arbitrary. Just another way to profit off of people in difficult situations or those with weak willpower.
If you count paying off a credit card, or paying a phone bill every month “arbitrarily debt” then you’re pretty stupid.
Credit cards are the definition of arbitrary debt. If the correct way to use them is to pay them off every month, and the only reason is for points/benefits, they are completely arbitrary. Just another way to profit off of people in difficult situations or those with weak willpower.