Americans are drowning in credit card debt. CNBC reports, we're more than 1 trillion in the hole. There are some things you should simply never pay for with a credit card.

#1 taxes. The IRS will put you on a payment plan at likely a lower interest rate than your card.

#2 College tuition. Student loans are available at a far lower interest rate.

#3 Mortgage payments. You'll be paying interest on your mortgage interest.

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