So its obvious that credit card companies want us to use them. I think the plus side is building credit. The downside, and it is much larger imo of the downside is the interest rates on unpaid balnces. Unpaid balances will result in a decreased credit score and will cost u alot of money. U can avoid this whole mess by being verrrrry responsible with ur credit card spending or you could just do it the old fashioned way with cash.