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Credit - Over the Limit redit cards are wonderful tools, but they come with serious responsibilities. You should be using a credit card to your advantage - whether that means getting an interest-free loan every month by paying your balance off in full, or just the simple security and satisfaction that having extra buying power at your fingertips can bring. Why Credit Cards Are Good For years, the conventional financial wisdom was "credit cards are bad." We were told that cutting up our credit cards was the only way to free ourselves from debt-ridden indentured servitude. People needed to "live within their means," and if credit cards were ever to be used, it should be "only in the case of an emergency."