Credit cards are a way to earn points, compare your spending habits among others who use credit cards and extra security when making online purchases.

Regarding use it is our choice as individuals whether you want to use a credit card or not. but there's a lot we have to figure out before you use it, would we rather have cash to spend as we please, or would we rather have the luxury of putting those purchases on a credit card for now and paying off the bill later?

If the former, then go ahead and live your life the old way. If the latter, then perhaps switching to a credit card is worth considering. Overall credit cards are a great tool for those who want to take advantage of them.