Never use a credit card for credit. The only kind of credit, or debt, that is acceptable is debt to acquire something whose exchange value is extremely likely to increase, like in a home. The exchange value of most things diminishes or vanishes the moment you purchase them. Don’t be in debt to losers.
I'm a woman. I'm a boss. I make money. I don't depend on anyone.
The past is always tense, the future perfect.