In my humble opinion and as a human being born with unfavorable skill with numbers, I think it’s rather wrong that some Financial Planners strongly advise you to not owning a credit card.
I mean, you can’t predict the future whether it will be a good karma or a bad one. Take you were living on your own on minimum wage for an undergraduate, and your only family was your super healthy Mum. Who knows sometime in the future she would need an extremely expensive health care over a disease or accident?
Do not predict a great sale or midnight sale or other super reduced stuff event. Grow up.
I think credit card is almost like cigarette and alcohol. They are legal, but you know you will be screwed eventually. You know, there’s a debt in the end.
Self-control, baby. Self-control.