Truth about credit cards: They’re not always evil

Credit cards are not evil. There, I said it. But that’s not how some people see them. They see credit cards as the devils that tempt them to spend more than they should. Debit cards are the angels in their wallet who keep them from piling up mountains of high-interest debt.
I can understand that. Credit counselors say people who can only buy what they can pay for on the spot are more likely to spend less than those who charge it.

But let’s be honest — credit cards don’t make you spend more. And thanks to the Credit CARD ACT of 2009 , many of the worst tricks and traps commonly used by credit card companies have been outlawed.
“Credit cards can actually be extremely beneficial if you use them correctly,” says Bill Hardekopf, CEO of Lowcards.com. “That means paying off your entire balance on time each and every month.”
Credit cards are also the safest way to pay because they have built-in fraud protection required by federal law.