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Personally, I think credit cards are odd, for some reason I think it is unwise to spend money that you may or may not have. Although, credit cards do a good job of strengthening (or weakening) your reputation as a consumer.
For that reason I find them to be beneficial to society. In the long run, I think it is a good thing to have a credit card in the modern age, but part of me wishes that they had never been created

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How Does The Government Protect Me And My Credit?

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How Does The Government Protect Me And My Credit?

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Several laws are in place that help people keep on top of their credit and avoid being swallowed by debt. For one thing, federal law gives you the right to block payment on a credit card if you need to dispute charges on it. This gives the cardholder leverage when disputing a charge, as they have not actually payed for the goods or services yet.

The government started making it more difficult for credit card companies to raise your interest rates without a good reason in 2010, these laws protect you from getting locked in to a credit card balance that you can't afford and ending up in debt.

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This video explains the importance of credit.

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Sneaky Trick Raises Your Credit Score Legally

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Why Your Credit Score Is Important | TransUnion

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For more information on your credit score and to view your free credit score, visit: http://www.transunion.com/corporate/personal/consumerSupport/consumerResources/credit-report-scoring.page Ever ask yourself what is a credit score, and why is it important? Your credit score could make the difference when making life's important purchases.

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This quick video will help get you started!

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How to Build Credit With No Credit History

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For more information on how to build credit, visit http://www.gobankingrates.com Whether you're a young adult applying for credit for the first time, or you just haven't used credit in a while, when you finally do want to get credit it can be a frustrating process.

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Debit cards are linked to your bank account so the money you spend is automatically deducted from your account. On the other hand,  credit cards essentially allow you to borrow money and pay it back later.

Using a credit card gives you a lot more leverage when disputing a charge, as you have not already payed, where as with a debit card, that retailer already has your money.