I would just feel more secure having one. Unfortunately, I think I inherited bad money management from my parents, so no help there.Some credit card companies make it a condition of giving you a break on their interest rate, that you not have a credit card while on the plan. Read all the fine print, and if necessary call the counseling agency and double check.One possibility might be a secured card. You would have to save up enough money for an initial deposit, and your credit limit would probably be limited to the amount of that deposit.Hope this helps.Nancy
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