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I recently got one. I've had a Macys card for years and years, but I was forced to get one when I worked there, otherwise I wouldn't get my discount. I hardly ever use it, but I'd rather keep it open and paid off because I heard closing accounts, no matter how well you take care of it, can be a negative credit point.
But I have a Capital One card. I have only been using it for paying for school and then I pay everything off once I get my bill, no matter how broke I'll be after I send in the check. Since I lost my full time job, it's now ONLY being used for school. (Although this weekend, I went shopping...)
Basically, I use it only when I know I will have the funds in a month to pay it off. I am richest at the end of the month and that's when my statement comes. My uncle is in debt right now and my parents tell me every day to NEVER spend more than I can afford to pay off completely.
I too used a debit card all throughout college.
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