<prompt> Human: I am a young male last semester of college enrolled him Financial Peace University, a program offered by Dave Ramsey. One of the topics that came up was Credit Cards, and Dave Ramsey is very against these in all scenarios. I have a credit card for the simple purpose of building credit. The coordinators in my class claim that you dont need to have any credit score to get by in the world, but this seems to go against what Ive heard growing up. My question is to what extent do I need to have a credit score versus no score at all as a young adult, and what are the benefits of having a credit card assuming you pay the balance off in full every month versus simply using a debit card or cash.Additionally, something Ive heard is you have more protection against theftfraud with a credit card. Is this valid, can someone elaborate?Thanks.  <response>: If you have Dave Ramseys millions of dollars you dont need to worry about your credit ratings, but for the rest of the 97 a poor credit rating can prevent you from getting an apartment or require you to pay a huge deposit for utilities. The best way to handle credit cards is to pay them off every month. 