I’ve written about the convenience of getting credit cards in emergencies. While I do not deny that, still I’m not exactly into it. Or sort of. I was once in quite a bad shape with credit cards – fresh out of university and just got a job, and a credit card. The rest was history, and i’m kinda lucky to get back on track on not using credit cards except on absolute emergencies.
But if you really can’t help yourself, and needed one for yourself, consider this: Always pay your dues on time. You do not want the bad credit record to affect you later on should you want to get a house loan or mortgage. And if possible, spend within the limit that you know you could pay it off in one payment. Stretch to only 2 if you really can’t.
Seriously, nothing beats the feeling of paying for your things with cash. If you don’t believe me, try settling all your debts, keep your credit cards off your wallet and pay for thing you buy in cash. You’ll be more conscious of what you are trying to buy, and also you’ll feel much better knowing you’ve paid for the thing you just bought than needing to worry about the credit card bills later. Now – what can beat that? 
What you said is very true.
Now I leave my Credit Card at home
when I go shopping.
My Slogan:
Buy omly what I need and not what I want