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People can feel a lot of shame about being in credit card debt. They think it means they’re bad with money. That it’s something to avoid, or a burden they can never pay off.

Debunking 3 common myths about credit card debt

According to a recent Bankrate survey, 46% of respondents said they carry a credit card balance from month to month. NPR’s Life Kit debunks some common myths and gives advice about credit card debt.

But for financial educator Rita-Soledad Fernández Paulino, founder of Wealth Para Todos , we should simply see debt for what it is. “It’s just what we use when we don’t have access to cash reserves.”

And

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