When I post similar questions about credit cards in other forums, this is usually the type of answer I receive.
Let me turn that around on you - you dont think society has conditioned you to "believe" that you "have" to have a credit card?
I disagree with the statement "credit cards can be valuable" - credit cards are a trap. It financially enslaves you and your family to the lender.
By thinking that credit cards are good, your also saying that debt is good.
HAHAHAHAHAHAHAAHAH that whole post of yours was hilarious. Just own up to it...you are not responsible to manage your own life if you can't trust yourself with a credit card. Credit cards are marvelous if you have a brain and have an ounce of discipline....but of course the late fees from people who aren't responsible help pay for my cash back credit cards and free flights
Rant done
