Debt Isn’t the Enemy; Mismanagement Is

The power of debt lies in how we wield it, not fear it Turn Rent Points into Resort Nights This Card Means Business Marketing to Hispanic Consumers in Financial Services In the aftermath of the Great Recession, a deep-rooted belief emerged: debt is bad. It became synonymous with financial instability, leading many to avoid it at all costs. But over time, the narrative is shifting. Today, the U.S. consumer is taking a more measured, rational approach—embracing debt not as a burden, but as a tool for growth. Whether it’s maximizing rewards, building credit, or managing cash flow, debt is no longer a villain in the story of personal finance. Instead, the focus is on how it’s managed. Smart debt, backed by discipline and opportunity, is proving to be an asset—not an enemy.