<prompt> Human: After trying to find out my credit score for curiositys sake, I learned that I did not have one, since I have never taken out a loan or had a credit card. I attend a service academy in the US, therefore I am getting a small salary to attend college ie. no student debt and have no real expenses since food, shelter, laundry, haircuts, etc. are taken care of. Since I have nothing that I need to spend money on, I have no use for a credit card at the moment. I am also active duty and can get quite a few perks from USAA as a result. I already have a checkingsavings account with them, and they are offering me a Platinum card with 7.75APR and no annual fees.My question is, should I just get the card and pay it off every month to build up my credit score? Even though I have absolutely no immediate need for a credit card?  <response>: The worst time to get credit is when you need it. Be responsible with the credit cards and it will take you far. 