You know, this credit card thing eventually make you their slave. You have to worry about paying them on time, and always worry about your credit rating should something happens to you. It is not that the big sum of money you borrowed from them, but a few tens of hundreds of dollars will always give you enough trouble. Not that you are delinquent, but to remain "not delinquent," you have to be on the lookout.
In the end, it tends to make you a timid, extremely risk-averse, and passive creature. I don't think it is a good thing.