<prompt> Human: Im an 18 year old student about to start university. Ive seen lots of posts on this subreddit praising credit cards and saying how good they are if used correctly. I have no idea what they actually are but should o consider getting one? Any advice on how to use them, which ones are good etc? All help is much appreciated!  <response>: When you are asking question like this and this: Id say no. 