I’d think it’s a bigger sign of having your shit together to have a credit card or two that you use…

I agree with what you’re saying completely — one doesn’t have to pay interest to reap credit card rewards.

But from the description of the data, it’s difficult to tell what’s going on.

I guess I would be more satisfied if NYT explicitly said something like: fewer people are ‘carrying a balance/using their card/had a card’ so that we could know how the data translates.

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