My position is identical to Tak regarding debt, mortgage and car.
I do however have a credit card which is seldom used but paid off at the end of each month if I do use it.
I'm not sure how they work in the US but here in the UK they come with automatic refunds if fraudulently used by anyone other than the cardholder and have a further use in insuring against holiday companies going bust (which is quite frequent here atm) when paid for by your card....at least that is what my Visa does
