<prompt> Human: I dont like the concept of having a means to pay for something but not paying for it right away. Is there another way to build credit than signing up for a credit card?  <response>: Honestly, you should embrace the concept. If you are disciplined enough to spend within your means and pay your bills on-time, you can benefit from using a credit card. Besides the obvious rewards cash back, miles, points, etc., most credit card purchases are insured for up to 90 days, and you are not responsible for fraudulent charges. Cash and debit transactions dont offer the same benefits, and you dont build credit. 