<prompt> Human: I am good with personal finance as islowest paid also youngest in the family at the moment. however I am the most frugal. I do not buy anything outside of necessity, I am usually the one the rest of the family comes to when they need a small loan, I look up financial advice all over the internetI live very simple and always try to get the most out of my money.my question is-is getting a credit card worth it?please note:I am 26 years old and have always demonized the thought of having one. And only reason I am considering this is to start building a credit score  <response>: 1. Get a credit card and use it responsibly.2. Stop lending money to family. 