What's your credit card and why is it best for you?

[the2real4mafol]

Gilgamesh said:

the2real4mafol said:
The credit free life.

But seriously, i won't get a credit card because i don't think they are worth it. It's so easy to get into debt with that bit of plastic. I would rather use my own money thanks.

Not like it matters now, but i'm from London, England.

I always pay with everything through my debit card, I never have cash so it only makes sense to have a card that gives me free stuff for using it and then pay it off. As long as your not doing any excessive online purchases and just use it for the necessities, gas, food and bills you should be fine.

I can understand that but if i don't need one now, then i will likely never need one. I also just can't trust them because these companies profit from it so much, even more so if you get into debt. I think it's just so wrong. As you may borrow £100 for example, but with the interest rate you would have to pay £130. It's just so dodgy and wrong. Obviously, we should spend in moderation but most people seem to go crazy on these things. I know it's there fault, but it's just crazy. 

I will just keep to what money i have though as it's easier to keep track of. It's what i'm used to.