If you feel you have more than enough income to meet your daily needs and family, there is no harm you have a credit card to reap the benefits it offers. But with this note you really need those benefits. Since the average credit card will require you to pay your dues, whether monthly or yearly, even when not in use, you should be prepared to set aside some of your income to pay for it. With excessive income, this certainly will not be a problem for you.
How to Manage Your Finance Well?
If you are a person who always manage your finances well, besides certainly have more than enough income as mentioned in the previous points, then there is no harm you have a credit card. Having a credit card requires a high degree of responsibility and discipline, and if your finances are well managed, it indicates that you will be responsible enough to pay your credit card bills each month. Credit cards will not do you any good if your financial condition is messy and burdened with lots of debt, with having a credit card will only worsen your financial condition.
So there are a number of things that are more profitable if you have a credit card, as described above. With the various benefits offered, you can benefit from a credit card, provided you make sure there is a good reason for you to have the credit card.
If you have confirmed the reasons that require you to have a credit card as mentioned above, and you use the credit card properly and wisely, then surely the benefits will only be quoted. Congratulations to transact with credit card.