Is it worth it to get a credit card?
I've never had a credit card before and just thinking about them makes my stomach tie up in a knot. My mom is currently in a lot of credit card debt which has totally soured me on the idea. Although I'm learning to be responsible with my spending, I don't feel comfortable with the idea of having a credit card. I know it's a good and fast way of establishing credit but won't you do that anyways if you pay your bills on time? Which I do by the way.
So should I apply for a credit card or go with my gut and stay away from them?