<prompt> Human: Ive heard that getting a credit card and using it to buy small purchases that youd normally just with pay cashdebit card is a good way to build credit. Im 18, in my senior year of highschool, so I have very few expenses. I have a 1k emergency fund, and have been working on building my long term savings.So I guess Im just wondering if getting a credit card is a good financial step. I dont really need it, I just think it would be nice to have some type of credit portfolio since Ive seen people run into problems having no credit. What do you think?  <response>: You might as well. There are plenty of credit cards out there with 0 yearly fee. You can probably get one from your bank.As long as you pay on time, there will be 0 interest and I doubt youll be making massive purchases at your age so its effectively the same as spending cash.Youll be starting to build credit and maybe even build up some points AKA FREE SHIT 