<prompt> Human: I just turned 20 and my parents brought up the idea of me having a credit card. It would be awesome being able to pay for things that I dont have to pay for yet, but knowing myself, I feel like that is super dangerous. Im very bad at spending and making quick, subconscious justifications about impulse purchases. So I guess what Im asking is will the average person need a credit card in their adult life? Or will a debit card suffice for everything?  <response>: It would be awesome being able to pay for things that I dont have to pay for yetThat is NOT what a credit card is for. You should never buy something with a credit card unless you can pay for it in cash. Im very bad at spending and making quick, subconscious justifications about impulse purchases.Sounds like you arent financially mature enough to have a credit card yet. So I guess what Im asking is will the average person need a credit card in their adult life? Or will a debit card suffice for everything?You need good credit in life. In most cases a debit card is fine otherwise, but credit cards offer better protection against fraud and you get reward points. But if you cant use a credit card responsibly then you shouldnt get one. The benefits arent worth that. 