If your an avid spender then you should be careful when considering a credit card. Many people went into deep debt because they weren’t careful and didn’t look into the potential problems they could run into. Credit cards however are not the bad guy, their are a lot of valid reasons you would want to have at least one credit card. Sometimes you will want credit to get a major purchase at a low price, or you may use a credit card to survive when money’s tight. Another use for a credit card is emergencies. If you find yourself in an emergency a credit card can be extremely helpful and may even save you money!