<prompt> Human: 20 year old Male here and Id like to start building credit.I was offered the opportunity to get one by my bank Bank of America and I dont know much about Credit or Credit Cards. What are the cons? I know they can rack up a lot of debt and I was only going to use it for things I already have the money for, but Im scared there might be angles Im not seeing since BoM is pretty notorious it seems for not caring about their customers.So what should I consider and take into account?  <response>: They are absolutely worth getting, as long as you use them appropriately.The BankAmericard Cash Rewards card is an excellent every day credit card if thats the product being offered. I dont carry a balance so I dont even know what my interest rate on the card is, but love the 3 back on gas, 2 on groceries, and 1 on everything else. If you have a BoA checkingsavings account, they also add 10 redemption onto your cash rewards if its deposited into that account.The only issue Ive encountered in the three or so years Ive had the card was a possible security breach so my card needed to be reissued. They tried to tell me I needed to wait 2 weeks for the replacement but I argued until they gave me overnight delivery. 