To have credit cards would be simply............well, retarded. As djbob said they are used to take money straight from the bank, this way you don't have to use the withdrawal feature. Usually the withdrawal feature charges you interest in order to make a withdrawal, and the credit card bypasses the interest part. Luckily for you though djbob decided not to implement a fee for withdrawing from the bank, thus making the credit cards obsolete. So if you don't shut up and stop whining he just might add the credit cards and the withdrawal fee that goes along with it. Then you will have to figure out how to get your hands on a credit card. So my advice to you is to just leave the subject alone as it benefits you and me.