Having a credit card doesn't get you in debt - misusing it does. There is nothing wrong with having a card if you have the self-discipline to only use it for purchases that you can and will pay off each month.
It’s way to easy to spend money you don’t have.
Amen, I have a credit card that I use primarily for purchasing gas, and for the rare occasions where I need to purchase something and I don’t have a check or an ATM nearby. If you do get a card, make sure that you use it, but like PAR35 said, only make purchases you plan to pay off each month. I have never once payed the ‘minimum’, I treat the card like a debit card, anything I purchase on it comes out of the checking account at the end of the month. If used ‘correctly’, they can be very good for your credit score, but too many people don’t, such as these individuals. They may save their house, emphasize may, but they will still be saddled with huge credit debts that will constantly accrue interest, and will probably be in worse shape in a couple years than they are now.