So, many people feel strongly against credit cards. They think that you shouldn't spend money that you don't have and that credit cards make it easy to get into financial trouble. Then, some (like my mom) have dozens of credit cards and constantly use them. I think it's a good idea to have one credit card to build credit and to use for emergencies. I'm not a fan of having a lot of lines of credit because then I'm bad about using them too much. What do you think? Credit cards -- are they good, bad or in-between?