Having a credit card is quite helpful and handy if you know how to handle and use it correctly. My wife and I have several credit cards in the past years when the two of us are just starting to acquire things. Through proper handling of the finances, the two of us managed to paid off most of it. There are great advantages of having a credit card, it is a quick source of fund when you have an emergency and you do not have a savings.
You have to be aware also of the disadvantages of credit cards which could turn your life up side down if you mishandle it. Some people can't control themselves in too much spending which causes them of so much debt. When you spend beyond your means, you are facing a lot of trouble. It is like a drug addiction that is hard to cure or fix. So watch out for your spending habit if you want to have a good credit standing.
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