martial arts history I've long made a joke that credit cards are evil. But that's far from the truth. When a person who is responsible using money runs on the plastic card responsibly, credit cards are not evil whatsoever. Try leasing a car or creating a hotel reservation with no charge card. Credit cards offer a degree of protection whenever you make purchases. For instance, if you buy something online, and you are unhappy by it, or it's rarely sent to you, you will find the choice of disputing the charges in your credit card. It can shield you from lots of the possible risks of purchasing something from a mysterious company.