Paying it down

I've paid off my credit card for the last time. And I don't mean this in one of those fake I'm-never-going-to-buy-anything-on-credit-ever-again lies we tell ourselves. I just mean that I'm going to try my hardest to only use my credit card for emergencies. And by emergencies I don't mean, Whoops. I... the idea that my bills are all paid up, and I have no credit card debt to pay down. But because I've been.... That's when all of my credit card woes began. Over the course of a year, I was approved for six