Credit Cards are fine if used correctly, i pay for almost everything with the card, unless i can transfer the cash directly from my bank account as i do for paying all the bills.

Where i live we have 1 eftpos cash teller and a lot of times it is empty and i don't like getting cash from the Caltex over the counter unless i buy somthing (we live in a town of 900 people)

When i get the chance to go to our major town about 50km away it is not always pay week and i don't like to get large sums of cash out to do shopping and stuff so it all goes on the card.

The card gets paid off when the balance reaches about $1000 or before the interest kicks in, using the card in my situation makes life so much easier.