I really like The Wall Street Journal Complete Personal Finance Guidebook's wording when detailing the significance of carrying a lot of credit card debt.
If you could pay cash for what you want and are certain you'll pay the credit card in full each month, but you're using a card for a perk that ultimately improves your finances, then the debt is likely benign.
If you can't pay cash for what you want even if you raid your checking account, and you know you'll have to carry a balance on your card for a couple months to repay the purchase, then the debt is malevolent and your finances will suffer over time.
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