There are two kinds of people in America--those who earn compound interest, and those who pay compound interest.
Just a minor nitpick, but people grossly overuse the expression "compound interest."
The vast majority of the time, neither credit cards nor mortgages represent "compound interest." The only time a debt is an example of "compound interest" is when the minimum payment doesn't even cover the interest (that is, the debt is growing, even though you're making payments on it).
Likewise, compound interest is only earned on debt instruments (CDs and Treasury Bills that automatically roll over, or a high-interest savings account). By and large, the amount earned on those instruments is a pittance, and thus not a very compelling argument for earning compound interest. It would take decades just to double once in typical compound interest investment vehicles, at today's prevailing rates.
Many people use the phrase "compound interest" to refer to equity instruments, such as stocks or mutual funds. That's not "compound interest," that's just a simple capital gain or, in some cases, dividends. If the dividends are reinvested, then you could make a case that that constitutes a "compounding" of your dividends, but it's not "interest." Interest is strictly associated with debt.