I don't use credit cards anymore for several reasons. First of all, cards enable me to spend more money than I have. When I get the bill, I never have enough money in the bank to pay the whole amount. That leads to the second problem-the high interest rate credit card companies charge. Every month I end up paying a lot of money in interest on the amount I still owe on my account. Finally, credit cards are not always the safest way to pay for things. If someone get your credit card number or steals your card, you may be a victim of credit card fraud.