I have 2 credit cards; the one I got when I was 18 that I was advised not to close since that was the start of my personal credit history, and the one that I use regularly. We had problems with the balance for a while because we kept having emergencies come up and no cash so on the card things would go. The credit card will be paid off entirely in 2 weeks, and then we'll be able to save some serious money for a house. I only use my debit card when I absolutely have
to. My bank has just decided that accounts will now be charged with the lack of a direct deposit over $500 or without using the debit card 5 times a month. So since ATM transactions count and my husband deposits my check for me once a week, I don't have a problem meeting that quota. I'd rather use the credit card like a debit card because I get points for purchases I'm making anyway and if the number ever gets stolen it's not my bank account that's getting messed with.
I'm horrible about carrying cash. I either forget I have it and use the card anyway, or I spend it all right away.