What strategy is typically implied to be unwise while trying to get out of debt?

Keeping a credit card for emergencies is typically implied to be unwise when trying to get out of debt because it can create a temptation to rely on credit instead of managing expenses within a budget. When individuals are focused on becoming debt-free, having a credit card can lead to the risk of accumulating more debt, as it may be used for purchases that could otherwise be handled through careful financial planning or by using available cash. The presence of a credit card may undermine the discipline required to stay on a strict debt repayment plan.

In contrast, using savings funds, cutting unnecessary expenses, and seeking additional income sources are strategies that encourage thoughtful financial management. These approaches help individuals prioritize debt repayment without incurring further liabilities. By eliminating or avoiding the use of credit cards, individuals can stay focused on their goal of achieving financial freedom.