If you are a person who has control and spends within your limit.then you should have a credit card.
A credit card affords you the safety of not having to carry cash when you shop. This is an important factor in todays world where pick-pockets are always around to take advantage of any opportunity you may offer.
A credit card also helps you keep track of what you are buying and how you are spending your money.
When selecting a credit card be sure you read all the credit information including interest charges, late fees, annual fees and last but not least rebates on purchases. There are cards that offer you a return of a percentage on all your dollar purchases. It’s not a big amount, but it does add up so that is an aspect to consider.
I think I would be remiss if I didn’t warn you to carefully read over your monthly statement. I have found charges for items I never ordered and had no idea what the charge was for. This is a feature I appreciate with a charge card you can challenge the charge and have it removed.
In closing, I must say if you have no control over your spending.do not. I repeat do not get a charge card. It could lead to real grief.