Most of us can hardly imagine a life any more without credit cards. More and more purchases are made over the internet, which require a credit card. Self-discipline is a must when using credit cards. It is very easy to just keep purchasing without regards for the steadily climbing balance. I have been there, done that. I dreaded incoming calls with 1-800 numbers. They could be from the company, reminding me that I was (again) overdue. Not a pleasant experience!
A in and of itself is not bad. It is how we use them. One strategy is to have just one credit card, and have this one only be used for emergencies and for traveling. You would have to check with the issuer about any requirements for minimal use. Some companies do not like it, if you never use their card. If you intentionally use your card once each month, and pay it off immediately, that should be fine.
Many banks now offer “credit” cards
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