Comment: I dont think that is right

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In reply to comment: better to no have any credit cards (see in situ)

I dont think that is right

You need to use the credit cards to your advantage. Always pay your bill in full and get the rewards for free. I have credit cards that pay me for using it so why not. I pay no interest yet get hundreds of dollars a year in rewards. With a 850 FICO score you can get a lot of benefits. And make sure no one else is listed on your credit card so when you die no one inherits the balance. As far as your estate goes make sure you die a pauper. Distribute your wealth before you die.

Do your best have no expectations