For starter, I have a debit card from my bank which I use for most of my stuff. I used to have four credit cards, but I paid off two... Now I have two left and am paying off them. I plan to just keep one for emergency and use my debit card whenever I need to. (back then, my debit card did not have visa logo, so companies would not let me use it...) I hate carrying cash, especially in countries where you have to bring so much money in your pocket, like Italy... I will never forget I withdrew 1 million Lire from the ATM. (which was like 500$)