I was watching a video where a young person was saying oh its good to have a credit card. I do not have one. My parents never had one. I have been raised on the assumption that credit cards are a bad idea as they encourage debt. Credit cards are for when you do not have the ready cash available and then you pay the card back with interest so you end up paying more. It is the same as a bank overdraft. I do have an overdraft but I tr y not to use it because if you go into your overdraft you pay charges. I butget very carefully so keep within my means and I think that last time I went into my overdraft was about 6 months ago