What is the most common excuse people give for needing a credit card?

The most common excuse people give for needing a credit card is the notion of using it for an "emergency." This idea is rooted in the perception that having a credit card provides a safety net for unexpected expenses—such as medical bills, car repairs, or other urgent financial needs. People often rationalize carrying credit cards with the belief that they can manage unforeseen costs without disrupting their current budget.

This mentality can lead to a cycle of relying on credit rather than building a solid emergency fund or having savings specifically set aside for unexpected situations. While other reasons like rewards points, building credit history, and convenience are valid, the urgency that comes with emergencies tends to resonate more with many individuals, making it a prevalent justification for credit card use.