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Well, like askrwlz said, not having to carry a ton of cash for purchases is nice. Extended warranties offered by some cards, the rewards (frequent flier miles, cash back, etc) can be nice. Help when it comes to a bad transaction (say you buy a stereo that doesn't work, you can dispute the charge and possibly get your money back without the store's consent). Can be good for emergencies (car breaks down in West of Nowhere, Utah and you need it fixed pronto but you ain't got the cash now but you can get it by the time the bill comes due). It can limit the level of debt some people develop as part of the "credit" card problem is that people can build up high balances slowly over time and get to a point where it will take them years to pay it down.
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Strive to be more curious than ignorant.
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