<prompt> Human: It just seems Im just postponing paying for something and I might as well pay for that thing right here and now...not sure why credit is useful or why I would want to increase my credit score or credit limit...or why getting a large credit line is seen as something positive. Can anyone explain?  <response>: Cash back, promotional offers, 0 APR periods on new cards, card insurance, building credit for a housecar purchase, maybe you dont want to pay cash for something see cash back, safer and easier to pay with credit often times, etc.ect.ect. 