<prompt> Human: Is it more financially responsible to have a credit card or not have one?Assistant: My whole life I was told use cash, that was the way everyone in my family paid for things and taught me. Up until now, they never needed credit, but now they need to redo their roof and they are stuck waiting to save as they are 50 with no credit.I just got my credit card last month, and I am 23. MY SO is 22 and she does not have one yet, she thinks its pointless. Human: I like Credit Cards for a few reasons.1. I dont have to getcarry cash around.2. I get benefits. Points, Cash back, cheaper gas, etc. Its like 5 savings on everything I buy.3. Builds Credit.4. Keeps track of how I spend my money. Its all on my statement at the end of the month.Unless you cant control your spending, I cant understand not getting one.  <response>: Unless you cant control your spendingYoud be astonished on how many people this should preclude from getting a credit card. 