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Whats the point of using credit cards these days?
It used to be that credit cards were the only way to do certain things: purchase airline tickets, conduct business online, secure hotel rooms.
With the advent of debit cards and hundreds of dollars worth of overdraft protection, there is no longer a barrier.
Sure, you may have to wait a few weeks before you can afford that swanky new couch, but you won't pay any interest on it and you won't have to make payments.
If you come across something that you really need and it will take longer than a month before you can afford it, you probably don't really need it.
Credit cards are a trap.
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