In 2017, a year after I froze my credit cards, I wrote about how bad credit card debt is, and presented my case against them. I was like a righteous ex-smoker in their first year of quitting. Annoying, sure, on my high horse, that too. The big question is: do I feel the same way about credit cards in 2020? What’s my credit card situation now, do I have one? Find out in this episode!