It's not uncommon to find people screaming at the top of their lungs that credit cards are bad. Of course, if you use just about anything incorrectly it can be bad. Frankly, I don't have anything against credit cards - I think that they are great, provided you know how to use them. We have a handful of credit cards that we pay off each month, so in effect, we are using other people's money for the course of the month. And yes, I fully understand that we could get into a bind if we needed to pay some other bills first, and couldn't pay those cards off. But that's why we try and have money available to pay the bills. It's all about using your head.
That said, if you can't do that, then maybe they aren't for you at all, and that's okay as well. But what I don't get are the people who talk about credit cards being the worst thing to hit the planet since, well, evil, but they don't talk about things like ATM cards. I mean really. ATM cards - in fact, let's lump all debit cards or check cards or whatever you want to call them into the same bunch - can be just as bad, if not worse. Sure, there is the advantage that you can't spend more money than you have, but you can sure spend it just as quickly.