If the need for fast cash due to financial burdens should arise, you're covered. But that is no excuse to spend money that isn't yours. Indulgence or whim however can be a primary cause for debt. Many people purchase things with credit cards simply because they absolutely have to have something right then. That is the worst thing to do.
Credit cards are loans with extremely high interest rates.
Regardless of what credit cards are used for in your situation, never forget to pay at least your minimum every month. That factor is decisive when applying for a loan or any other type of financial assistance. The report contains details on where you live and work, your payment history, whether or not you have declared bankruptcy, and even if you have ever been to jail or been sued. As important as this document seems, many people do not ever look at it until there is something wrong or it is too late. By law, you have the right to view your credit reports and contest anything that looks or seems inaccurate.