For myself my credit card is something that I use on a daily basis, and a credit card can be a very useful tool indeed. You need to be very sensible however when you are using credit cards on a regular basis and try to ensure that you pay the entire amount owing each month to avoid paying interest.

Some cards you can get however do have excellent interest rates which can then be used to buy larger items, just be careful not to get caught in the endless loop of borrowing money to pay money as this is not a smart thing to do!

If you buy a lot of goods and products online a credit card is definitely the way to go, it opens up a whole new shopping world and its a world with no car parks, no traffic and no annoying salespeople harassing you!