[Eternal]

I think credit cards are very important, actually. If you want to rent or buy a house (or some other large purchases, such as a car), you have to have good credit. I recently got a year 2016 car, and wouldn't have been approved had I not had the extremely high credit score that I do. Additionally, when applying to rent, they usually check credit scores and may even have a minimum, which my potential future landlord currently requires. I think too many people see credit cards as "free money." I use mine like a debit card, I use it to buy gas and groceries and I pay it off every single week. In my most recent statement, I believe it said my credit score is above 85% of Americans or something like that, and I have no problem applying for loans or making big purchases now because of it. In addition though, it's great to have in case of an emergency where you may not have the cash.