Debt statistics are crazy. The average US household is $16,748 in credit card debt and pays a total of $1,292 in credit card interest per year.
Ref: NerdWallet: American Household Credit Card Debt Study
This is also pushed by other financial institutions. If you want a mortgage in some places like Texas, you need to show three mature (older than 5 years) loans or credit cards. If you paid off your car loan, it no longer counts. It is likely that I will get an unnecessary car loan at some point for credit score purposes only.