It takes self-discipline but credit cards are very useful.
I have a few but really only use one. Pay it back before interest is added and it is pretty much like a debit card that pays me. I make a few hundred dollars a year from using my credit card with all the cash back programs. Plus, it keeps my credit rating high.
It is also useful if you have a legitimate emergency.
My only regret is that I can't use my credit card to make my mortgage payment(and pay it off the next day of course). That would be an extra 700-$800 a year in cash back and no interest on the card.
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MDD with Psychotic Features, Dysthymia, GAD, Cluster C personality traits - Not taking any meds