I had three cards for years.
Then one day found I could no longer keep up payments, due to the crazy Interest also on the card.
I cut them up, and have paid off half of all three.
The day I am 'card-debt free'! will be such a burden gone.
I definitely need to have a credit card. It's the best way to manage cash flow and spending. I can see exactly how much I have spent and on what and I can have the money ready in my current account to pay it off in one lump sum, rather than having small amounts dribbling out over the month. Spending with cash means that more is spent I think, as it is harder to track and much easier to spend!
I have a visa debit card to use online and any other time I need a credit-style card. This serves my needs well. I have had a credit card in the past and felt great satisfaction watching the teller cut it in half when I had paid it off and closed the account.
We have several credit cards which all get pain full every month so we don't pay interest. We use them to pay for pretty much everything as we get rewards points. We have the credit account that we use all the time (it has the highest rate of rewards points) then we have a back up which a couple of regular bills come out of. Then we have my old one which is with a different bank and is for emergencies only.
Yes, they are only useful for emergencies or to buy something that has become available on a "Special".
The Banks are ripping people off with the massive interest rates, they are long overdue to reduce the excessive rates.