credit cards, to have one or not to have one?

If you ask me this, I have a firm answer to give. I advise you not to take the offer. You better stick to the cash if you want to have a peace of mind in future. Yes, credit card can be used during emergency. But very often that not, you intend to use it all the times. It is hard to control the desire to swipe your card if you have one; especially if you are a shopaholic (like me!) Unless you are a very good and wise shopper, you can go ahead and have one. Credit card companies are always all out to persuade you to take the offer, having at least a plastic card to make your life easier. They will tell you all the benefits of having the plastic card but the only matter that being left out is what will happen to you if you default your payment and how much additional charges like interest and so on that will be charged if you are not a full pay master. So, my last and only advice is... stay away from that simply irresistable plastic card :)

I think it is important to have a credit card. To me, it is for safety reason. It's dangerous to carry a lot of cash when you go out shopping or travelling, therefore, owning a credit card is essential. Furtherefore, when you go to overseas, you don't have to worry about money changing. You can just pay by credit card. However, there are many people who are hugely in-debts because they overspend using their credit cards. Therefore, you have to be careful when you spend in order to avoid this problem. Spend according to your budget. I only have 1 credit card, so that I can cut down on my spending when it reaches the credit limit.