If you are not bothered about taking a loan in the future for an emergency, you can stay away from credit cards.
Be Prepared for Emergencies
Keep an amount stored in your bank account for an emergency. Problems do prop up like ill-health, accidents, house repair etc. An amount equal to 4 to 6 months of your expenses saved will be vital to meet your emergency.
Keep in mind these pointers mentioned above to save you from any financial burden in the future.