Trauma_Junkie ready for recovery week, and data pushing.
instead. It can be really useful to have ONE credit card for emergencies, and certain types of purchases. I find that having the card, and simply not overspending and paying the entire balance each month is a good thing, although it takes more discipline than just not having/using it at all! All the other times I use a debit card- so I have to have all the money before I swipe.