Credit cards produce tremendous revenue to credit card companies, banks and retail establishments. They do not however work the way they used to work for the customers that temporarily possess them. Historically they were a means to finance costly items considered necessary, such as appliances.
There is nothing really good about debt. Americans have been convinced by retail salesmen and the banks that to have good credit one must have a solid credit history through credit cards or credit accounts. A solid history means more than the fact that you have consistently made payments on time without failure. The credit card companies and the banks evaluate your spending trends, the debt load over time, your savings history, checking deposit history and actual check spending history. This personal information is felt by these institutions to be proprietary, belonging to the institution because of their unique methods of collection, rather than belonging to the individual who creates this activity.
A credit card, could start improving your credit if used responsibly, to show a history of reliable payments. Banks and credit card companies are not interested only in your reliability, they want to know they can get their interest in a regular and steady manner. This is not the same as pay your debt regularly until it vanishes. They want you to remain indebted permanently but repaying them in a timely manner.
If you are debt free you may not be judged to be a good credit risk. This is the state that underage children and young adults find themselves in whenever they attempt to secure a credit card. People who pay off balances immediately after they are incurred also run into this problem.