They often say that having a credit card is a big no-no. Why? Because it tempts you from spending more than what you will earn... more than what you really have. Actually, it's more of a liability. But even if it is not practical to own one, try maintaining just a single card for special purchases. And should you decide to own just one, I suggest you get gas credit cards that will not just take money out of your pocket but also will help you save and earn even if it is just a small part of what you've spent.