Credit and Debit Cards
Improving Your Credit Rating
Credit

Why do people use credit?

Answer

Wiki User
11/12/2011

Usually as a matter of convenience more than anything. Most people have full intentions of paying off the balance in full at the end of the month, and as such are responsible users of credit, and that kind of action really helps build a solid credit history.

Other users of credit cards use them to buy stuff they either don't need, can't afford, and then get into big debt problems when they can't pay off the balances.