I have three credit cards, one of which is my mail credit card, and the other two each have a small utility autopayment on them each month. Those two I pay off every month. My 'main' card I sometimes keep a small balance on (but always small enough that I can pay it off within a week or two). I'm careful to always pay on time, and am a strong beliver of the 'the best way to aquire wealth is to not aquire debt'. I'm 21. Credit cards are to be treated with extream caution, but I like them for two reasons.
1) In contrast to using my banks visa debit card, I do not 'lose' my money if someone rips off my credit cards. In theroy, it shoud be far less painful to deal with, and will not immediatly put me in a bad financial situation.
2) I am building credit. My credit score is currently around 750 after less then 2 years of credit history.
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