Credit card(s) are good to have unless they give you an impulse to spend. They have many other benefits too such as [depending on the card] purchase protection, price protection, free roadside assistance, extended warranty, rental car insurance, concierge service, cash back, points, miles, etc., etc., etc.

I've personally used price protection, roadside assistance, extended warranty, and concierge service. Plus many thousands of dollars worth of cash back, points, and miles (probably close to $10,000 total).