Do I even need credit cards?
People have credit cards for various reasons depending upon their personal situation and uses  You don't need to have a Credit Card if you don't have a reason to. But most people do.
Below is an instruction that describes a task. Write a response that appropriately completes the request.

### Instruction:
Do I even need credit cards?

### Response:
People have credit cards for various reasons depending upon their personal situation and uses  You don't need to have a Credit Card if you don't have a reason to. But most people do.