I rely on credit cards but I adhere to strict rules about them. In the past I have let them get out of hand, but now I pay balances off in full each month. I put virtually everything on credit cards, even my bill, and that prevents me from overdrawing at the bank and helps me organize my finances better. I have several rewards cards and so I get cash back on my shopping. The only way that pays off, is to pay your balances off in full each month!