What's one way to make sure you never go into credit card debt? If you never have one in the first place. Ellen DeGeneres couldn't believe that CNBC's Maria Bartiromo, a.k.a. Money Honey, doesn't own a credit card and the two briefly chatted about the topic when Maria was a guest on Ellen. Maria explained that she uses her debit card and doesn't own a credit card, but she's considering getting an American Express card because it requires you to pay off your balance in full every billing cycle. Ellen does ads for Amex and she got a kick out of the company's mention. Check out the exchange in the video below.