• Manchester, England
A credit card was useful for buying online or for buying large items such as furniture or televisions etcetera. If shopping for an expensive item you can never be certain what the cost will be, so it saves carrying large amounts of cash. I always paid the full balance every month and therefore did not pay interest charges. As soon as debit cards were introduced I ceased using credit cards.
• United States
We use them for all online purchases instead of our debit cards which wouldn't have the same protections. We use them for groceries and gas because we get 3% cash back. And we use them for big household purchases (refrigerators, washing machine/dryer, stove/oven, etc.) because you can get free financing for X number of months when you use store cards like Sears, Lowes, Home Depot, etc. We try to be smart about how we use them.