I personally DO NOT BELIEVE in credit cards. To me, they are evil! LOL I've written two hubs about it, and I think you might find them Interesting. I previously Owned a credit card, thinking that I could slowly pay it off.. NOPE!
What credit card companies WONT tell you, is that the whole reason why the company is called CREDIT card, is because you pay off THE CREDIT to the card. Otherwise known as THE INTEREST!
As soon as I found out just how much money I actually Owned on my only credit card, I got rid of it, and opened a bank account. I paid off my credit car, and erased myself from any and all credit card companies list! Now, whenever I'm interested in building a solid credit foundation, I save money, and pay everything cash! Best way to look at your CLEAN credit history!