<prompt> Human: Recently, me and my friend were talking about credit cards and I expressed how I feel that they dont interest me and have no intentions on getting one. He told me it was a horrible idea not to get one because it helps accumulate credit at a higher speed or something along those lines. In less than 2 years of starting to accumulating credit, credit line open at best buy and two cars under my name I have a credit score of over 650. I understand they can be good for emergencies, larger purchases and rewards but can not getting a credit card really be detrimental in the future? EDIT: Thank you everybody for your insight, will look more into it.Assistant: I understand they can be good for emergencies, larger purchases and rewards and building creditFixed that for you. Credit cards are not for credit. You use them to buy things you already have the money for and always pay them off in full, cashing comparatively small 2 rewards and building your credit along the way.Human: You fixed my sentence to say they are good for credit but then say credit cards are not for credit ???  <response>: good to increase your credit rating, not to carry a balance around and pay extremely high interest rates 