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The quick answer is no. But so many people still fall into this unnecessary circumstance. It seems to be a common assumption that credit cards are good since they can provide you with some spending capacity when push comes to shove.
Emergencies do happen and for those who do not have emergency funds, credit cards do provide that critical life line. But the thing is, having to rely on money you don’t have to save your butt is just plain sad. You’re basically a charity case of some loanshark that’s bound to kick you while you’re down.

For many of us who rely on a steady paycheck for money, it does help if you can further secure that stability by being an asset to the organization for which you work. In today’s environment where there is increased collaboration and teamwork, it’s necessary then, to be a good team member. There is much premium given to being the guy everyone likes when the performance appraisals come.
Productivity blogger Alexandra Levit highlights four ways to be a good team member:
Be good at the job
Be well networked
Be a problem solver
Be willing to get hands dirty
Be respectful

If you think that you’re bound to be a minimum wage earner for the rest of your life just because you did not have enough money to pay for college, you’re mistaken. Besides, Steve Jobs and Bill Gates were college drop outs so that should give you some inspiration.
Yahoo identifies seven jobs that pay quite well that don’t require a college degree.
1. Freelance Photographer: $47,800 median salary
2. Private Detective or Investigator: $50,600 median salary
3. Elevator Mechanic: $61,500 median salary
4. Nuclear Power Reactor Operator: $79,100 median salary