Good for you! I make a point to clear mine at the end of each month and never go over $1k down unless
absolute necessary. CC is real handy because you do need money in case of an emergency regardless if you have it at hand or not. Banks are not the best at making it easy or fast and convenient to use
your own money. See a trend there?
A lot of online shop and commercial services will require one too so unfortunately there's no easy way around not having one. It is easy to go overboard though. It all adds up and sneaks up on you.
