My family has raised me to not rely on using credit cards.  I have stuck by this and I do not intend on applying for a credit card.  When I buy something I have the money in my bank account ready to spend.  Just now I was reading some articles at Yahoo Finance and it seems that a few of their articles are written for people who are in trouble with their card debt.  Articles on saving money are really just directed to people who are losing money from credit card interest (or other forms of interested related to debt).  This only encourages me to continue believing that credit cards are teh devil!