Credit cards, contrary to popular belief, are not a necessity. It is perfectly feasible to go through life without a credit card – but few are cash rich enough to do so and building credit is difficult without some kind of revolving credit in your history. Not to mention that making online purchases and accruing rewards is nearly impossible with cash (though admittedly doable with a debit card). In spite of all this, credit cards are, essentially, a convenience. They let us spend flexibly and se
