<prompt> Human: EDIT: To make it clear, I live in the UK.I go to the shops for the bi-weekly shopping and at the end I pull out my debit card. I get the impression many people here would pull out a credit card instead. I always thought credit cards were used for things like I cant afford that car for another few months, but this is an easy way to get small loan, like those adverts that filled TV before 2008.I dont get it, why borrow money, then pay it back in a month or 2? All I can think that achieves is letting yourself get into debt if you cant pay back, or if you can, then you just ad 1 or whatever to the price of every since purchase in life through the interest. TL;DR So far Ive learnt that, in the US, they are amazing and almost free money no-wonder 2008 happened, but in the UK and EU, its different, they are a much smaller benefit a single credit rating isnt really a thing over here, rewards come from individual brand loyalty cards like I was taught rather than the credit card itself and often actually cost something, with the same debt risks, so are only worth it in certain circumstances which a young, jobless guy like me who doesnt travel or make big purchases, isnt in.Assistant: Credit score if you live in the US. Only reason I got one. Cant have a cosigner on a loan? Better hope you have credit. Youre not getting that apartment, car, or good mortgage without,, you guessed it, credit. Its silly that its all tied to one card but it makes the world go around.Also better protection because if your debit card is stolen you have to go through hoops and sometimes they wont even cancel the charges made if youre not assertive enough. If a credit card is stolen they instantly cancel everything and you wont be charged. Also also rewards are nice. If you just treat it like a debit and dont overspend want you have you literally learn free money. Ive had mine for about a year and have over 200 dollars worth in points that I just earned by buying stuff as usual. I can cash it out for cash, tickets, gift cards, what have you. Also also also you can always treat it like a debit card. I always pay off the entire statement balance every time its posted and continue on my merry way. If you do that its basically a debit card but with all the benefits of above. Human: Im getting my mind blown a little by these comments. So theres no interest or cost if you do it right and you can effectively get paid get stuff cheaper etc for having a credit card?Assistant: Yep. As long as you pay your bill in full every month.Human: Is it a hassle to make sure youre paying off exactly the right amount every month or can it be automated or something?  <response>: Yes pretty much all credit cards have an auto pay option 