<prompt> Human: Ive heard credit cards can be helpful, but my entire family says to avoid them at all costs, no matter what. Is getting a credit card that bad, even if I am smart with my spending Only use for gas, essentials, etc.?  <response>: Credit cards arent bad. Many people are irresponsible and buy things they cant afford and then blame credit cards when the only one responsible is them. Credit cards are good if you have self control and only spend what you would pay for in cash and always pay in full every month. If you arent confident you can do this, then you should wait to get a credit card. 