Credit Cards are suicide. Just don't get one! If you adopt the mindset, that if you can't pay for it today, you can't afford it, then take 10% of your pay, and have it automatically moved into a savings account. You'll turn into a Saver vs a Spender. You'll build wealth rather than Debt! Just adopt that single idea! "If I can't pay for it in cash, then I can't afford it!" By the time you're 50 you'll thank me a million times over!