person A: I paid off my credit card before buying my house.  I didnt realize how expensive owning would be and after some repairs I owe more than I started with on my card.
person B: That's really good! Do you think you're ever going to use the card again?
person A: Im hoping I wont have to.  Unless something major comes up I'm not planning on putting anything on credit again.
person B: That is wise. I too am trying to pay off my credit card debts. After that_comma_ I'm cutting them up.