Do you really need a credit card? The answer to this question would depend on your general attitude toward spending, saving, and debt. So in essence, the only person who can tell you whether or not you need a credit card is none other than you. There have been many people with tragic stories about how credit card debt have affected their lives negatively. The reason usually is that these individuals allowed themselves to be “controlled” by their credit cards instead of the other way around.It is important that you take some time to think things thoroughly before you make a decision. Read the following guidelines to help you decide on whether you really do need a credit card:

Credit cards are ideal for making emergency payments or large purchases that you would find easier to pay back on an instalment ...