I’ve talked about having a credit card, and how that’s helped me. I recently read a question: “How much credit card debt is too much for a young adult?” The answer? Any credit card debt that can’t be paid within the month or billing cycle) without going into debt is too much and going to do more harm in the future. Does that mean everyone will always be able to avoid it? Perhaps not, but it should never be seen as something that is a good idea, or something that is a way out or a viable option. Be careful with your money, be even more careful with money that…