Yes. When I was working a million tiny part time jobs I used credit to make ends meet. Now that I have a full time job, I don’t use credit because we have enough money. Also there is a motivation to pay off as much credit as we could each month while remembering that once the credit is paid off you get to keep those payments – more money for you. And the less credit you have the better a position you are in to get a mortgage (possibly on the horizon). Also using long-term 0% interest cards makes a big big difference.