'(They're) handy when paying for restaurant meals and expensive items. Otherwise, you'd be carrying lots of cash with you and that's too dangerous.'
- Ms Siti Abdullah, 31, civil servant

'The rewards points and discounts that come with the cards are reason enough to have them.'
- Ms Chia Li Yun, 30, insurance agent.

NO 60%

'Cash is king, so why do you need a credit card?'
- Mr Low Say Wee, 34, operations executive

'Why use credit cards when most merchants offer Nets payment, which is a lot safer because you need a PIN number.'
- Miss Jennifer Soh, 27, civil servant

YES 40%

This article was first published in The New Paper.