Is the Credit Card necessary?

Depends on the country where you live. In my former country people would use credit cards instead of cash, but in the country where I currently live is very rare to see people using a credit card. They use cash cards just to withdraw money from the ATM, and then pay always in cash. I have seen that even with big sums of money!

credit card is modern substitute for cash.it helps a lot and protects one against money theft.one can use it online shopping which is not possible if u don't have one.but it should be properly kept in safe custody.as everything has merit and demerit , it also has its own merit and demerit.please remain miser in case of shopping . use the card only when it is needed the most.