<prompt> Human: I am a freshman in college and I just turned 18 about a month ago. Ive been reading up on credit cards and building credit history for the past year or so. I mentioned something about a credit card to parents and they freaked out and told me to remember what I read in the Dave Ramsey book they got me. And I understood it. But I also feel like it was written from the perspective that if a person in given a credit card they will automatically spend more than they have. I have no problem believing thats true for most people but its not true for me. I tried to explain that I would use it responsibly and how building credit was essential and they gave me the No one needs credit line, rich people buy their houses cash. Well I told them theyve surely didnt buy the house cash and while some rich people like Dave Ramsey buy their houses cash its a huge waste of money for others who can just make the down payment and invest the rest. J didnt get anywhere with the conversation and eventually we all just got frustrated and my mom said something along the lines of Look were just trying to help you, and if you bury yourself in credit card debt we dont have the money to bail you out and frankly that made me pretty livid. I have NEVER asked my parents for money. And while I understand that most kids my age you their credit cards to buy alcohol or take a spring trip to Europe Im not them. I would just my credit card primarily for gas, books and minor wants that I would buy anyways with my debit. I know interest rates are insanely high on student cards but I will make the full payment every month. I understand that they are just trying to help me but I still think that family can have honest intentions and still be wrong. So instead I decided to ask a bunch of random people on the internet and see what the general consensus is : If I hear that Im wrong from a bunch of people on Reddit Ill be more receptive than just hearing it from my parents.EDIT: Thank you for all the responses, I really appreciate both arguments.  <response>: This is exactly what I did to build my credit rating. I got a 2200 card at 19, and didnt use it like an idiot. You already seem to understand the extremely important rule of only using what you can pay off before the end of the interest free period.Credit cards arent inherently an issue. Lots of people just see a 5000 limit as Ive got 5000 and then flounder when their 700week paycheque barely keeps up with payments. Youre an adult. Get one if you want to. Just remember that youve got to keep to your plan and not spend past your means. 