Not all of us have money put away for emergencies. So the credit card is usefull in getting somethings down.
Now let me explain what an emergency is. When my son emergency surgery was down, I went to the pharmacy to get a prescription. Having high deductible insurance, made the cost go over 190 dollars. Whithout a credit card no prescription would of been possible right at that time. Another emergency is my wheel hub fell apart going down the road. It had to be replaced at that time. Most repair places what payment immediatly. These are what constitutes an emergency.
Just like you have to work with a jerk at work, to bring home a paycheck. Sometimes you need that card in emergencies. Just when you have to use them. Tighten up and pay it off as fast as possible.