I'm not a perfectionist, but I like to feel that things are done well. More important than that, I feel an endless need to learn, to improve, to evolve.
Never use a credit card for credit. The only kind of credit, or debt, that is acceptable is debt to acquire something whose exchange value is extremely likely to increase, like in a home. The exchange value of most things diminishes or vanishes the moment you purchase them. Don’t be in debt to losers.