<prompt> Human: Mega EditIve seen what I needed and heard what I wanted now. A few minor insults were thrown for whatever reason and I guess that means its time to call it quits. Ive read every comment and still cant see why someone would go into debt in the first place. I thank those who have corrected me in a few places and a single credit card has always been an option but I think Im going to keep away from them for now, a lot of you seem to care and I thank you for it. A few of you even got butt hurt which I guess I expected but I kinda figured I was speaking with adults. I defended my opinion rather poorly as mobile is a bit difficult to use and my way with words is sub-par. Once again, thank you for the replies Ill continue reading what I can. See you guys in 5 years :  <response>: I used to think the same thing as you. I couldnt understand why anyone would want to go into debt. Heres my argument against your view. For what its worth, Im 23. Credit cards are good for those who can live within their means. I have two credit cards, and have never held a balance on them. I charge every expense that I can to them, and pay each of them in full each month. Benefits: I have all my expenses tracked and can see how my spending changes over time both in category and amount. I get extra protection against fraud and extended warranties Im still spending the same amount, but I get anywhere from 1-5 or sometimes more of my purchases back in rewardscash. This means where you will spend 1000 on something, I may be only be effectively spending 950. It seems like just a little, but it adds up and costs you nothing. Its like a coupon on everything Sign-up bonuses: You can get what amounts to free trips without spending any more money than you usually would. Credit: Obviously this will help on home purchases, financing a car, and other things. In addition, lots of leases and similar agreements include a credit check. 