I’ve had one for 5 years. I paid off my 2 and I’m ready to cancel. I’m sick of owing money and being surprised I owe $600. I have great credit and I think I don’t I’ll struggle in the future because I’m starting to make good money. My friend is like keep one just in case to keep your credit score up. My credit score can stay the same by paying my bills on time too. A credit card is not a necessity and I would honestly save probably thousands a year but simply not having access to one.