Hi @agentwilla,
In my personal experience credit is the hardest trap to get out from. Some times it is easy to access and when in need is the "easy" money on hand.
The thing is that it should be used only as emergency money, but is better to have an emergency fund.
Every case is unique as the personal situation of every person, but I do believe that #crypto has given us the opportunity to help other while we help our own situation.

Some other times, credit should be seen and used only as a creator of wealth. If the % it cost you borrow that money is less than the % having that money will give you, then is a good investment.

This is NOT a financial advise, do your research, do your maths, analyze your own situation and balance the options.