Credit cards are the way to go if you can be responsible. If your bill is paid monthly you should have zero intrest. If you are irresponsible you could be hit with big intrest.

I have used credit cards for many, many years and never paid a single penny in intrest. If you are the responsible type of person, go with credit cards, if you are irresponsible, shame on you.

Don't discourage others because of your irresponsibility.

Usually I carry 3 credit cards because, over a period of time the bank cancle the card for security reasons which I agree with 100%. You have to call the bank to prove to them you are the real person and not the person who stole it.