Many believe that owning a credit card is bad just like many other things people find negative because they do not put in the work to search and find a solution. Credit card is bad if you let it and good vice versa. "Sugar is sweet but diabetes is bitter." Everything in life is about investment; please do not look at the monitory gain but the methodology. In every investment, there is loss or gain and the difference between the two is the work. I will share more information as your questions come in. If my present credit score is to go by, I am doing a great job and you can do it too.