<prompt> Human: Im going into my sophomore year, and I was wondering if now would be a good time to get a credit card. I have work study, but dont work too much because my course load is usually pretty heavy. However, I do receive a lot of financial aid, and have a lot of recurring payments, some big and some small netflix, spotify, rent, wifi, etc. Right now, my aid funds get put into my checking account and I make all of my payments out of that I NEVER miss a payment on anything, so I was wondering if would be even better for me to sign up for a credit card and start building my credit, even if Im only using it for those small recurring payments. Thoughts?  <response>: Everyone else has said it but Ill reiterate - yes, get a card.If you never miss a payment, you are responsible enough to have a credit card.It is very easy to get a discover student card. The rewards on it are actually pretty good it would require a solid credit score to get these rewards if you werent a student, so jump on it as soon as you can. Just remember to never miss a payment and youll thank yourself in 2 years when you graduate and have a better credit score than most. 