Having possession of credit cards makes you habitual to it. You are impelled to buy the things which may or may not be useful at the particular moment.
It makes you spendthrift I your spending habits.
Credit cards are great if used wisely. Use it in times of emergency or when you are sure of paying it back within a required time. Whether the economy is in recession or in booming phase, just try to use the credit cards more judiciously.
Life is so simple, do not make it difficult. Just try to manage yourself.
