As much as possible I don't like to own credit cards to avoid being extravagant and the fear of spending a lot on shopping spree. But with great plans that it has to offer, like with a limit amount I avail one for convenient purposes and an easy way to track expenses. It is also accepted worldwide and so it is comfortable to use when one is on travel. Just be sure you practice to be credit wisely and know your limitations. As long as you’re not spending more than you can afford, its good to have credit cards in your hands.