Just stick to debit cards.
Spend only the money that you already have.
If you want a credit card, keep it for emergency use
only.
Say for example, you need to buy plane tickets quickly for a
last-minute overseas trip to attend a funeral, and you don't have
enough money in your bank account to use your debit card. Then yes,
a credit card would be useful in such a case.
Many people have the tendencies to over spend....so that
convenience becomes a financial burden ! Just be careful of what
you buy on impulse....yes, credit cards are good for
emergencies....
