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Correct me if I'm wrong - and maybe Otter can clarify this - but credit card debt is not counted as real debt until you owe interest on it. Therefore, using a credit card as a tool for payment does not increase the national credit card debt until later in the month, after the "float" when you decide not to pay in full and leave a balance, which is the true "credit card debt".

It would be terribly misleading to include as "credit card debt" all the purchases we make using the credit card as a payment tool rather than a financing tool. Once the "float" period has expired, it's a different thing.
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