Credit cards really are a necessity of modern life. They can save you money by allowing you to shop on line.

At the moment, I don't have one. I do have a debit card tied to my checking account. That lets me mail order stuff. I don't have one because I tend to look at my mail late and know I'ld not be paying on time. When I'm not away from home so much, I will get one . . . preferably at my Credit Union.