Yea I would say I'm responsible with my money. I always have enough to cover anything that I buy. And if I really want something bad, that costs $500+ I save up for it little by little.
Well then think of it this way, a credit card allows you to temporarily borrow money for free.
You can keep your money in the bank, having it work for you by earning interest, and then pay the balance off or nearly off at the end of the month. Plus you are given incentives to use a credit card, such as cash rewards.
So you're making money when you're spending your money and you're temporary using someone else's money for free.
Honestly, some people on these boards stay around from credit cards and say they're a bad idea but thats just foolish.
If you spend cash, you aren't given 3% or 4% back as you would if you used a credit card. If you spend cash, you aren't building credit which will help lower future interest rates whenever you need to finance something... and you WILL need to finance something eventually.
Pick out a credit card thats benefits suit your usage and then put everything that you would usually buy with cash on the card, remembering to always have the money in the bank to cover those bills.
I have two Driver's Edge student rewards cards from citicard, both a mastercard and a visa card. Mastercard I have point rebates on which is pointless and stupid, but I was young and dumb when I got the card. Now I almost always only use my Visa card that has cash back rewards.
Discover is a great card to use, if its accepted at the places you go. They give some serious rewards back on restaurants and such.
Discover Card - Wikipedia, the free encyclopedia
I would seriously considering getting a Discover card if I were you. I'll probably get one for myself, I just use the Visa and MC for everything, so I haven't switched over to a Discover yet.