[yason]

I've never had credit card debt (I just pay back once in a while, or every few hundred euros, to keep the balance out of red) but I've found good way to categorise my spending using credit cards. For example, I use one of my cards for personal expenses whereas we use a joint debit card account from the same bank for household expenses only. Then we have another joint credit card that we use on holidays etc. for shared expenses that aren't strictly household expenses or personal expenses... Very convenient. Also convenient is that instead of keeping lots of money on my day-to-day debit card account I'll just top up the c/c balance once in a while. The opposite would be to move money to my debit card account beforehand, and let it sit there even if I'm not sure I'll spend it in a week or three weeks.