When do you consider a credit card charge to be debt?

[GrimJack]

Debt is only debt when you have to service the debt via interest payments. If you pay off the bill before interest kicks in, and you can make a profit on the debt via cash back rewards, then that is an investment.

Definition of debt: A duty or obligation to pay money, deliver goods, or render service under an express or implied agreement.

Whether or not you consider it a debt is different from it being a debt.

[disneysteve]

Definition of debt: A duty or obligation to pay money, deliver goods, or render service under an express or implied agreement.

Then pretty much all of us are always in debt. We always owe money to someone, be it a credit card company, a utility company, the gym, a school, etc.