Do we actually need a credit card

FinaceFave

Credit cards are a financial tool, like many others, and is a "must" to have in your armoury. Of course we all know ---or should know---about being responsible, but so long as we do, CCs are part of 21st Century life. 

[Deleted User]

NoodleDoodleMan said:

Deleted_User said:

As the title, do we actually need credit cards to get by? The obvious answer is no, but other than a need for extra funds when the current account is saying no, why do people actually need/use them?

Dave Ramsey for those who watches his videos hates them. He is a firm believer of manual underwriting for big purchases - a house for example, is this a thing in the UK?

Why is that the obvious answer ?

I class items in the need category as just the, thing you 'need', food,water, warmth etc. So in my opinion, a CC does not fall into this category.