Credit

No.. i still buy things with cash. i do have 2 credit cards though, i use my capital one every now and then for Gas for my car.

everyone will need credit later on down the road when you look to purchase a house.
 
Nahh only my mortgage..

I dont believe anyone should really get into credit card debt unless they are living way outta their means (or something happens, like they lose their job etc..) Most debt can be avoided though.
Also, taking out loans to buy a fancy car or go on holiday is just plain stupid and irresponsible..

I only borrow money if Im trading on on DCD's or a carry trade... it depends where you get the credit from
 
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