Very true, but what I mean to say is that people tend to carry a card and use that as a fallback and a reason to not have a savings account. Not only that, but if they are carrying it just for emergencies, they risk having their account closed for inactivity. It's just one of the many pieces of "advice" I was given by people older to me, before I did my own research. Ask me two years ago what a credit card was for, and I'd tell you, "accruing debt, buying things you don't have the money for, paying interest, buying gum once a month, and emergency funds." That's all I knew, and I don't think that's too uncommon, unfortunately. Otherwise, I was just really unlucky. Lol.
