They really don't. There doesn't seem to be any middle ground with credit cards either. People either love them or totally hate them.
I'm one of the people that love them. Used properly they help to build an excellent credit history. Right now you can fill out a credit card application where you can get 0% interest until January, a 0% on balance transfers with a 2.5% fee. And if you let them debit the money to your account, you can get 0% until August of 2008. That's enough time to pay off the card and have the information submitted to the credit bureaus.
Credit is just like everything else, use in moderation.
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