Care to elaborate on why not?
Just so I know. I’m not saying you’re wrong.
I understand what survivorship bias is, I just don’t see how it applies here. Could you explain?
That just because you managed to do that doesn’t make it the norm.
You could argue that that simply isn’t an option for many people. If you can live life without using a credit card implies you have not struggled for that extra cash, whereas some people simply don’t make enough to not use it.
I still don’t see how this makes it survivorship bias.
But that being said, if you’re not going to be able to pay off something in a few months, then you can’t afford it with or without a card, because buying it with the card just makes it more expensive. Sometimes you need to tide yourself over, I did that when my wife was switching jobs and we were moving so there were extra expenses. But I quickly paid it all off when we returned to normal income.