Obviously nobody wants credit but sometimes its inevitable
just for example I work 45-50 miles from where i work (and 65 to to college once a week) and i rely heavily on my car, if something goes wrong with my car and i havent enough saved I have to get it done.
Its the unexpected that ends up crippling me, I struggle to pay these debts off due to not earning much more than my outgoings.
I get savings together and one bit of bad luck im back to square one!
Good on yer all with no cards credit etc but not everyone with debts are irresponsible people with expensive tastes in shoes

some of us are just struggling through life
Banks offered me anything before this recession and were quick to screw me over when things went sour, they knew I was in trouble and frankly didnt care! I was waiting for two weeks for a mortgage valuation to see if a remortgage was possible with no other option but losing my house.
I hope no-one here has to go through that, it sticks up my nose that if they had given me a few months extra (like i say i was comfortably making payments and chipping away at my od) i would have sold my house and all would have been ok
anyway stuck here now miles from work with that horrible drive everyday