The cards are NEVER THE PROBLEM. The problem is budgeting so that EVERY MONTH when the bill comes, you have the money READY to pay the entire bill.
You see, it is about BEING IN CONTROL as much as you can, of planning ahead and NOT EVER going into debt. My sister thought she had to buy "things" now or she would never have anything. Now she discovers that the "things" she HAD TO HAVE, no longer shine. And at 67 she is still working and drawing SS too, in order to catch up.