<prompt> Human: I am currently 17, and I am getting close to my 18th birthday. I have had a job for almost a year and usually put around 50 of my paycheck into a saving account since I have no bills and live with my parents. I love the responsibility of being in control of my own finances and spending and I try to learn as much as I can from this subreddit so I will be prepared once I start handling larger sums of money and invest, etc.Now Ive had a conversation with my parents, and they want me to open a credit card as soon as I turn 18. They told me its because I need to start using it and build a good credit history in order to get a good credit score. I dont have much experience with credit cards, but I know that you need to have a good credit score if you plan on taking out a big loan house, etc. Im very confident in myself that I wont use the card irresponsibly and get myself in a bunch of debt. I hate spending money I dont have and having debt which is why I kind of refuse to open one in the first place.So should I do like they said? Is having a credit card really a necessity? I would love to hear some advice from you guys.  <response>: Credit checks can also be done for things like employment, setting up utilities, and renting an apartment. Its a lot easier to build up a healthy credit history and not use it than to run into a roadblock later in life. 