The problem is that your first credit card will have a very low limit, and that won't help you in an emergency. I won't use my debit card because if someone uses the card after stealing it, it will empty my bank account. If someone uses my credit card after stealing it, I will have money while I file police reports and reverse the charges. I enjoy my rewards, and by using mint.com all of our household spending and budgets are tracked. If you're overspending on weddings, consider if you'll be able to say no with a credit card available.