BlueMooner: I'm in debt and shouldn't waste the money on a card
Then don't. That's my suggestion.
Years ago I got myself some rules to keep things in perspective. I've said this in other threads, so here it goes. Hopefully I'm remembering it right, it was like 4 rules.
1) If I don't have the money, don't get it.
2) If I don't
NEED it, don't get it.
3) If I don't have an immediate need/plans for it, don't get it
4) If I already have something that does the job, don't get it.
Something like that. It's a set of rules I put for myself when I was in the army, in Korea, where I'd hear of others getting a paycheck and coming back 2 days later with nothing to show for their money and no idea where it went. Following the rules I easily had $2,000 in the bank, never went under that, and no debts.
Learn to manage your money. Debt is easy to get out of control, and unable to keep track of or even make payments on.