It’s debt regardless of whether or not one pays interest. Debt isn’t linked to interest. Just means that you have an obligation to pay money to someone.
EDIT: Though in fairness, if one never actually uses a credit card at all, then one never takes out debt, so I suppose it’s probably better to say “if one has a credit card that one uses”.
EDIT2: Though all this is not to diminish your point that not carrying credit card debt from month to month is generally a pretty good rule to live by.
Here in Australia if you have a credit card with an outstanding balance of $0 with a maximum limit of $10k, that actually acts as $10k of debt when you go to take out any loans etc.
Credit cards don’t have to mean debt if you pay them off before the intrest applies. That’s how you use them responsibly. Many don’t.
It’s debt regardless of whether or not one pays interest. Debt isn’t linked to interest. Just means that you have an obligation to pay money to someone.
EDIT: Though in fairness, if one never actually uses a credit card at all, then one never takes out debt, so I suppose it’s probably better to say “if one has a credit card that one uses”.
EDIT2: Though all this is not to diminish your point that not carrying credit card debt from month to month is generally a pretty good rule to live by.
Here in Australia if you have a credit card with an outstanding balance of $0 with a maximum limit of $10k, that actually acts as $10k of debt when you go to take out any loans etc.