Credit Cards are a tricky subject, but with the right kind of managing a credit card could just be the perfect addition to your finances.
If you are a person that takes very good care with every step of their finances then a credit card is going to help you get a better credit score, which is something that everybody wants as a part of their finances because a good credit score will allow you to be able to more easily put your name down on an apartment or any other transaction where someone or business needs to able to trust that you will be able to pay on time and a good credit score shows that.
When looking for a credit card make sure that you will be able to get one that isn't going to charge you hidden fees or has a tendency to raise rates on their customers. Find a credit card company that will allow you to have the freedom of a credit card while also giving you a steady foundation to help you build up your credit score.
If you aren't very good with your money, then a credit card probably isn't for you because a credit card can ultimately be a money pit which they are for many people because they don't know how to properly keep an eye on their finances and tend to use the credit card haphazardly which is a big no-no.
Out Of Sight, Out Of Mind
If you don't carry the credit card with you everywhere, then that could be a viable option to having a credit card, but not having it on you so that you might be more tempted to make splurges with the credit card which can happen a lot with people as well. You don't want to spend money you don't have and that really does happen a lot with credit card owners.
If you feel like having a credit card is too big of a jump for you then you could always start off slow and have a debit card added to your checking account so that you can "test the waters" as they might say so that you can get the hang of having a credit card without the monthly payments and the worry of overspending because with a debit card you will be able to spend only what you have and hopefully keep a better eye on the money you have in your account instead of looking at it like you might with a credit card.
Many people do tend to look at their credit card as a cash source. It isn't. You are going to have to pay off that credit card one way or another. If you don't this is going to put you in debt and that is definitely not anything you want because once you get in the bankruptcy zone it is a very difficult place to get out of. It will be years before you could even get back on a good footing as far as your finances are concerned and that is exactly why you need to keep a very close eye on anything to do with a credit card, hence why getting a debit card might be a really good idea before getting a credit card just to get the hang of things.
If you really don't want to do either of these things, then you could just do a normal checking account which is old-fashioned but still the most dependable of all of these options plus also giving you the paper trail that is really the safest option of all out of these options.