<prompt> Human: I just read The Total Money Makeover after getting several recommendations from friends and deciding that I need to be more intentional with my financial planning. I loved it, its been the most practical info on financial planning that Ive read. He changed my mind on car leasing, retirement savings, and woke me up to the power of a well managed income even if that income is average or below average. That said, Im not sold on his idea that You should never open a credit card.I understand the book is geared towards people with debt and people who have a hard time living within their means. Hes right to say they shouldnt. But heres all I can gather for his justification for this policy otherwise:1. When you play with snakes, you get bitten. Essentially, all it takes is a small balance for the credit card interest and penalties to outweigh benefits.2. According to a study, 47 of people spent more at McDonalds on a card than they would have if they payed cash. So you end up paying more on a card because its less painful although this study alone in no way fully supports that conclusion3. 69 of bankruptcy filers do so because of credit card debt. Broke people use credit cards, rich people dont. So credit cards are a major contributor to financial disaster.I get all this. But it only justifies: Credit cards can do really horrible things to your finances if you use them poorly. These justifications dont support Credit Cards are bad, dont ever use them, rich people dont. Ive never opened a credit card and would like to now looking at Discover IT. I have a solid budget, no debt, and a 3 month emergency fund. I have never been late on rent or any other major payment. I have budgeted for credit card use groceries, gas, home goods and will pay off my balance every month on time and dont give me the how do you REALLY know that maaan argument. How can a professional financial planner justify telling me to not take advantage of 1 to 5 off on EVERYTHING I buy? TLDR: I want to open a credit card, Ramseys got me questioning that decision and I want to see if anyone can justify his no credit card policy  <response>: You dont get into a nuanced discussion with a five year about playing with matches. You just say never play with matches.Dave Ramsey is financial training wheels, and he brings that same message to financial toddlers.His is speaking to people who have gotten themselves into financial trouble, and need an easy to understand plan to get out. They arent looking for great financial revelations, they are looking for a way to stop the pain they have inflicted on themselves, and will inflict again if given the opportunity.For them, no credit cards ever good message. Those of us who consider ourselves financial grown ups can make our own decisions about credit cards. 