<prompt> Human: Okay personalfinance I need your help with this predicament Im currently in. Ive never used a credit card before, But all my friends and some of my older family tell me that I should start building my Credit now so that I can benefit from it later. I was always told by my parents that a credit card is bad for me and I shouldnt have one. Im a 20 yr M and have a job that pays 10 an hour full-time for the summer currently living rent free awesome parents I have student loans, that are still accumulating. Im wondering if it would be a good idea to get a credit card to make payments toward a 1300 acoustic guitar that Ive been drooling over the idea of for a while now. A lot of websites offer monthly payment plans that I could meet. I dont want to consult my parents about it because they will instantly turn the idea down. Guitar is my passion and I play everyday, this isnt an impulse decision.Tl;Dr Should I save up to buy 1300 guitar or get a credit card and make payments on it.Edit; I probably should have mentioned that, its not an upfront payment of 1300 dollars its using the card to get the payment plan of 99 dollars a month. My bad.  <response>: have a job that pays 10 an hour full-time a 1300 acoustic guitarJust no. 