This book is great whether you have credit card debt or not. Many people have said it isnt helpful if you dont have credit card debt, but there is so much information in here it's a great read just to get some insight into how the credit world works. Another reason I liked this book is because Dave Ramsey gives you a step-by-step plan on how to get out of debt and start building wealth. It's practical advice that can be followed without knowing too much about finance. He does mention the Bible in here a few times, references some verses that relate to money, but I would not call this a Christian book.