<prompt> Human: I am 18 yo and I want to build credit for the future, mostly so I can take out student loans on my own. I have no problem saving money or controlling spending, but Im also afraid if I get a credit card I may begin putting myself in debt and I really would like to know the pros and cons before I do so.  <response>: You dont need to go that far - get a credit card, and only use it for one thing - say, gas for your car. Then pay it off every month. No big danger of overusing it, and it will look good on your credit history. 