nandeEbisu,

I think the knee jerk reaction to just not use credit cards is an over reaction. If you are in a state where you can safely maintain a few hundred dollars in a bank account month to month, then it’s perfectly reasonable to have a credit card that is used responsibly as long as you don’t carry a balance. I would just roll it into good budgeting and it helps you build a credit history which, though a shitty system, is still a useful thing to have.

It’s not for everyone based on that criteria, but a good amount of people do fit that condition, especially if they have a moderately well paying job in a lower cost of living area, or do things like live with their parents.

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