<prompt> Human: Hi, Im a 19 year old college kid and Im clueless when it comes to credit.I currently have no credit, but I want to start building it. Ive heard a lot of contradicting advice about credit Dave Ramsey telling me to avoid like the plague, parents telling me to get one but never use it and Id like some input from you guys.Im thinking about getting a credit card but only using it for my recurring payments Spotify, Hulu, Amazon Prime, etc. just to start building my credit score. What are your guys opinions on this method? Any other advice or warnings?  <response>: Credit cards with a cash back benefit are great...IF and only IF you can be 100 disciplined to not spending more than what you can afford. If you pay it off every month, and save that cash back, you are making some money. The problem arises when people start spending more than they can afford. 