[quote name='Placebo']Trust me Bencher, credit cards aren't fun. Sure you can get the deals, but at the end of the month when you're paying 20% per year on the loan, it's not so fun.[/quote]
if you pay your whole bill (not just the minimum payment) every month then you pay 0% interest. credit cards are great if you do this, i get 2% cash back every year on all my purchases so they are paying me to use the thing. you just need to only buy things you can afford.