The most trifling actions that affect a man's credit are to be regarded. The sound of your hammer at five in the morning, or at nine at night, heard by a creditor, makes him easy six months longer but if he sees you at the billiard-table, or hears your voice at a tavern, when you should be at work, he sends for his money the next day.
Life without credit would be horrid. Life with too much credit is worse than horrid its a nightmare. Credit always costs. Whenever you say 'charge it' You are paying something more, in one way or another, than you would pay for the same item or service in cash. There is a plus to credit if one can use it wisely. For a home, for an automobile, for schooling, etc. But take care dont abuse it. Stay well below 'your desires.' And pay off as quickly as you can. Take care of what you have and have as little as you really need. Buy 'used' when practical. Make do with what you have until you can pay cash for consumable items.