Charge it

I think that with all of the online shopping that has taken people by storm that you are shut out of that ability if you don't have a credit card. There is no way you can send your cash or check through the computer so credit cards have become a must. I realize also that a lot of people out there already have multiple credit cards that they carry in their wallet and they may want to take advantage of balance transfers and have less payments every month. They can transfer the balance from one or more cards to a third card and possibly lower their actual monthly payments that way. I am also amazed to learn that there are actually interest free credit cards out there for people. Now that would be the way to go if you ask me. Just check thing out before you actually apply and use your card the first time.