<prompt> Human: Im 20 years and currently in college. Ive had a debit card since I was 16 and havent had much problem staying ahead of myself with spending. I actively work on a budget dont necessarily apply it yet, just want to have a good outline for when I graduate and have a steady income and expenses, and I feel very comfortable with my spending.But when it comes to credit cards, I just really dont want one. Im confident I could make the payments on time but why even risk that much? The only reason I see myself getting one is for the rewards programs and to purchase furniture or something if that nature for my first house. Even then Ill more than likely just want to budget for it ahead of time and pay for it upfront. Are there aspects of owning a credit card that Im overlooking? Thanks in advance.  <response>: 1. Much better fraud protection than debit cards2. Rewards. Oh the sweet sweet rewards. Ive made about 600 in cash rewards this year3. Credit Score boost. 