Owe nada.
I've not ever not paid off my credit cards same month.
I think credit card companies call such customers parasites, ha ha.
Previously I had one car lease (a mistake), never a car loan, and one condo mortgage (a big life changing bonanza). Otherwise always bought used cars with cash and my Thai condo with cash (as is usual here for foreigners).
I don't count house and car stuff as being in debt per se but I guess cars are more so especially if you buy more than you can afford.
I have one U.S. credit card that is used mildly every month and a stellar credit rating.
I used to have two. I think it was closed for inactivity or something.
That makes me nervous only having one and can't see applying for a new credit card at this point. I need it occasionally like to pay for online tax services.
I suggest new expats come with three because you might eventually lose some of them.
Interestingly I didn't get my good credit habits from my family. Don't ask.