Watching the game then , I assume . <| sep |>. Obama pardons a turkey for Thanksgiving ? What the fuck is up with you , America ? <| sep |> The point of a credit card for a consumer is to establish a history of paying back money on borrowed money . Essentially to have proof to a third party ie a bank that if they loan you money , you can make the monthly payments . Unfortunately , MANY people suck at managing to separate the concepts of available credit and affordable debt . Just because you ' re making the minimum payments does not mean you can afford to spend more money just because it ' s available . I no longer have a credit card . I had several in the past , got into trouble with them , paid them and established enough credit to get a loan from the bank , and that ' s my only installment debt at this point . I have no revolving debt , and use a prepaid credit card for online purchases . Am I perfect ? no , Am I swimming in debt ? Not any more . Now that I have a Visa Debit Card and the protections of buying a prepaid card , I have no need for credit cards .