I can't imagine life without credit cards. If you don't spend more than you can afford on them, and pay them off each month you pay no interest at all. The perks you get with them, especially with some leg work are HUGE! Most of my flights were completely free last year from using my SW credit card. I rack up serious RC's when I use my TR Visa at CET properties, and currently have a couple free round trip Delta flights from a newly acquired American Express Card. That is just a few of the perks I use or have received. Credit cards if used correctly are AMAZING!