<prompt> Human: Im currently enrolled as a sophomore in college. I have a few jobs with perhaps 100month during the school year and a summer job in the summer. I have some savings, and a checking account with a debit card that I currently use for any random online purchases or shopping. My parents are currently helping me with college, and various other expenses, so Im not financially independent by any stretch of the imagination.My question is whether I should worry about building a credit score. At the moment the only credit history I have is through my student loans 4,000 each year in college, which havent entered repayment yet so they dont build credit at all. Im trying to decide whether I should open a student credit card to just use on miscellaneous purchases instead of a debitnot trying to spend more money, just using a credit rather than debit.tl;dr Student credit card for regular purchases to build credit?  <response>: i would say yes if you will treat it the same as the debit card and not spend money you dont have. in addition to building credit, the credit card gives you fraud protection that the debit card does not. 