<prompt> Human: Okay if Im breaking any rules just let me know, i dont postcreep here often. So, i am a 21yo college student. I currently have 100 in my checking account until payday thursday, and 340 in my savings account that also gets money put in on payday. i work part time for about 23hrs a week 9.7hr. i take home about 160 a week in checking and 30 in savings every single thursday. automatically 75 goes out a week to my mom for my car payment. Im usually left with about 160 for food gas anything a week. i drive 45miles away to my college on MWF and that takes a toll on my gas. i put about 20 in my car every 4 days. Im thinking i should get another credit card that i can pay the minimum on monthly and use that for my food gas for college. i have a credit score of approx 738 and i already have 1 credit card with 5001300 on it that my mom is paying as long as im in college. i also have car loans and student loans adding up to about 28,000. does the need for a credit card to pay for gas outweigh my debt? if its not a bad idea to get one, can someone recommend a good credit card with rewards? thank you.  <response>: Nope. Unless you were paying the bill in full every month. Making minimum payments is how the credit card companies will trap you into forever payments. Your mom will eventually be paying this one for you as well. Keep paying cash 