Being a college senior, I just want to point out again that credit cards aren't intrinsically bad; rather, they're a tool that can be used effectively or abused

Being a college senior, I just want to point out again that credit cards aren't intrinsically bad; rather, they're a tool that can be used effectively or abused. I have a local Credit Union Visa and an Amazon CC, the latter of which I only use for Amazon because Chase Bank, the backer, is not nearly as friendly (higher fees, etc). I pay for almost everything with CC because I like the itemization. That being said, I don't ever use them as 'credit' per se, to cover money I don't already have in the bank. To me, they're merely a useful convenience.