There is nothing wrong with using a credit card to purchase things, you need some form of credit rating to do things. To reserve things, to put down a damage deposit . That number comes in so handy some times, but the key is to use it responsibly. I pay 0% interest on my credit card, how is that you ask? I pay it off every month, no interest added. I get to keep my credit rating up and use someone else's money for free. But I still live with the thinking Do I need it or just want it. I don't spend more than what's leftover after the bills, thats how I live within my means.