Why do you need a credit card? Is it for convenient? Is it because everybody has it, you also have got to get one? Well, there are so many reasons why people need credit card. Some may think it is for convenient because you don't have to bring cash around in your pockets, especially if your country only produce small notes. Others may just like to overspend because they love to live in luxury although their income are not even enough to pay their bills.
For whatever reasons, the use of credit card is actually depends on the individual needs. If you are rich and wealthy, credit card is a necessary. For normal people, it is just an extra money available during emergencies where you can pay back the bank later. It is also the easiest way to get money for starting-up business or for capital investment.
The bad thing appears when people become addicted to spending. The desire to buy things that they do not actually need, have made them eager to have as many credit cards as possible. Many people became broke and bankrupt because of this addiction. Money can make people crazy and blind. Almost everybody has the temptation to overspend for unnecessary things. So be cautious if you want to use your credit card. Apply only one card with minimum credit if you think you are that person. It will help you from ending-up in a big debt.