Credit cards are a great way to help manage your finances each month. When used properly, are a great financial tool. People are stupid and equipment quickly discover that their credit cards can rear their ugly heads and cause long-term financial problems.
But credit cards are not so bad. If we could live my life without them we would. But we can not. The world is not built. More and more companies require credit cards as the best way to receive payment or security, rather than cash or checks.