"Going into credit card debt doesn’t necessarily mean you’re bad with money or that you’re fiscally irresponsible."

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I would have to disagree. If you have to use a CC to cover an expense and you can't pay it off at the end of the month, then you haven't put aside enough money for all the emergencies that pop-up.

Also, having savings when you are paying monthly interest on CC debt is foolish. Paying 15-30% interest to the the CC company while your savings earn 3-4% (if you are lucky) is nonsensical. Use the savings to pay off the CC debt and then stop using the CC unless you can pay the amount off each month.

I use CC's extensively for the rewards and haven't paid CC interest in decades.