So many people in the media will have you afraid to have a credit card. I think that the idea of a credit card is so scary because people have not discipline (many people anyway). I recently heard of this awesome story of this guy saving $30,000 using his credit card. How he did it? He had a monthly expense budget of $3,000 per month. This included his rent, utilites, food etc. He made $4,500 net take home pay. He had a credit card limit of $10,000. He did not slurge on his credit card. Instead he would pay ½ the bills on the card. The other ½ he would pay with one of his checks. So at this point he had ½ to put in savings. The following month he would pay off the card $1,500 and do it all over again. He was able to save for the down payment of his dream home and keep his debt to credit ratio low. This story inspired me. I hope that it inspires you as well.