Gamestop to roll out a credit card with really high interest rate

[Augen]

cannonballZ said:

Augen said:

Yes. I pay in full every month.  I never spend money I do not have.

Credit card offers convience of not needing cash on hand or dealing with change.

True, but my debit card offers me the same thing without using credit. Just pay right out of my account. I use credit card for emergencies only, and so far I haven't had to use one at all thanks to saving money for a rainy day. 

I do not "need" a credit card really.  I use them for personal and business expenses for the reward miles I accumulate.   Makes taking a vacation much cheaper when the flight is just the taxes.

Credit cards are not for everyone, but if you have discipline and full understanding of your personal finances they can offer some nice perks.