[Arryn]

Ack. Paying off credit card debt is Un-American! You're supposed to rack up thousands (tens of thousands is even better) of dollars of debt, then declare bankruptcy, sticking it to all other credit card Users (those who haven't yet figured out how this pyramid scheme is supposed to work) in the form of higher interest and fees. Or, if you are one of those rare people with a conscience and sense of personal responsibility (shame on you), remain in debt up to your eyebrows for life, paying obscene amounts of interest all the while. Debt makes the economy work. After all, if it's good for the U.S. government, it must be good for individual citizens too, right?

Just remember: debit cards and cash are a communist plot, and tools of the devil.