I had long hard painful learn period on credit card management over the years. Like most people it started in college and grew from there. Now, I manage it, pay to much in interest at times and think of credit cards as a necessary evil that you never trust. But are they necessary? A CNN post talks about how some people have sworn credit cards off all together. And a fact I found interesting is they say 80% of American Families have at least one. I thought that number would be higher. I will say that I fell for the whole "You need credit" pitch along time ago and never looked back. So are credit cards necessary, probably not, but I don't think I am ready to try cutting them all up at this point in my life. Maybe when all the kids are out of school.