A credit card is as standard in todays culture as a pair of jeans, and oftentimes just as required. We as a nation use credit cards for many things from buying our overpriced gasoline to going out for dinner.

If you can pay it off right away its a great way to substitute for cash and quickly improve your credit score, and credit score is important, more so for the bigger purchases such as houses or cars.

My mothers credit card earns her points she can use for other purchases, her Gm card for example earns her vast discounts on vehicle purchases. This is an enormous advantage for her as she saved almost 5000 on her last car just from her credit card use.