Read more at: https://www.cardratings.com/creditcardblog/whats-the-point-of-having-a-credit-card.html Copyright © CardRatings.com 1. Earn credit card rewards and perks Every month, seems like a joke this is just a way for marketers to get ahold of you Don't need rewards for tracking my behavior. Need living wage and fair prices. 2. Avoid wiping out your bank account if an emergency happens Life is an emergency Should we charge RHApr when someone is in need? Vulture lately? 3. Minimize risk and reduce payment hassles Debit cards or other e-payment do this without exorbitant fees like RHApr 4. Make budgeting easier No No one writes checks anymore Debit cards and other forms of e-payment solve most of these 5. Build credit why? So you can have more credit. Circular. Stupid. Read more at: https://www.cardratings.com/creditcardblog/whats-the-point-of-having-a-credit-card.html Copyright © CardRatings.com