While you may currently be a cash-only kind of person and may assume that you'll never really need a credit card, that may not always be the case. Having a couple of credit cards handy is a great way to prepare for the unexpected. Credit cards come in all varieties and can be useful in so many situations, and they offer several benefits. Here are the top reasons to get a credit card: 

Pay for a Big Unexpected Expense

Life happens, and even as much as you try to prepare and think ahead, you never know when an unexpected bill will come your way. When you have a credit card with a good credit limit in place, you can charge whatever you need. That means you won't be as stressed out or upset about a big emergency bill. You can have confidence knowing that if something happens, you have a plan in place to pay for your needs.

Take Your Time to Pay Off Expenses

With cash payments, you will have to pay for something in full at the time of purchase. When you have a credit card, you can charge the whole purchase at once, but take your time paying off the debt. This is a great option for anyone who is a bit money-strapped and in need of a financial solution. 

Learn Better Money Management 

Having a credit card is also a great way to learn better money management. You will learn how to manage and pay off debt and become more financially responsible by using your cards well.

Build Your Credit

You never know when you may need to take out some kind of loan or get a home mortgage in the future. When you don't have credit it can be very hard -- sometimes even impossible -- to do this. The good news is that by having credit cards, and using them and paying them off regularly, you can build credit. This will put you in a better financial spot for the future. Even if you don't use credit cards currently, you can start to use them slowly to improve your credit with time. 

Don't ignore the need for a credit card, as it can be very beneficial. These are just a few of the top reasons to get a credit card. You never know when this handy financial tool will help you, so think ahead and be well prepared!