Credit cards act as a buffer between steady salary income and patchy spending. Many people both in the US and Europe live within their means across the whole ye

Credit cards act as a buffer between steady salary income and patchy spending. Many people both in the US and Europe live within their means across the whole year, but take a big holiday or trip in the summer and spend more in one month than their usual disposable income. Having a credit card makes it easier to accommodate lumpy spending like that.