Avoiding credit cards is a horrible idea in todays society. You should ideally be using your credit card to pay for absolutely everything that doesn’t charge a fee for it.

Be extremely diligent about paying it off and you will be way way better off than if you didn’t use the card at all. You can set up auto-payments, or manually pay it every paycheck, but just make sure it’s down to 0 by the end of the month. Personally, I bring it zero every week cause it’s an easy routine on Fridays and gives me peace of mind.

But you’re right never ever spend more than you have in your bank, that’s a recipe for disaster.