<prompt> Human: Ive used a debit card my entire life and never thought to get a credit card until I saw suggestions here to build credit. I asked my dad about it and he said its dumb and the credit build up from using a card doesnt matter much anyway and its not worth the hassle. I also should note my father is quite financially savvy and a business owner. Im confused about the conflicting advice. Thanks.Edit: if I do get a credit card what kind should I get? Chase sent me something in the mail awhile ago for their blue card and I filled out the info but was later declined. Whats up with that? Would Amazon prime card be a good choice? Also thank you. Youre all very helpful.  <response>: If you are responsible - pay it off every month and dont spend any more than you normally do, then credit cards are useful. You build credit, get cash back, have better security and dispute resolution than debit and numerous other benefits. Theyre not for everyone though. 