i own a credit card but i make it work for me (learnt from my previous marriage and experience with debt) i put slightly extra on it so eg: its a 3000 card i put an extra 200 on it making it 3200 so i have the convince of the card but save by spending my own money lots of banks have cards now where ya can do this with your won money not banks. Not only that but when the internet gets subtracted from it or insurance i am still paying with MY OWN cash....I love my card cause it enables me to buy cheaply from other countries therefor investing back into mys elf. I also look at things like i could spend 20-30 dollars taking the kids to the movies or invest that back into our selfs as a family eg: but arts and crafts and spend the the time i would have at the movies playing with the kids in the end we always end up with so much more stuff and more hours MORE of fun.