<prompt> Human: Ive never owned a credit card before, my online purchases are quite limited in number each month for which I use my debit card, and I have never felt like Im missing anything without having a credit card. What are the benefits Im missing? Thanks!EDIT: Again, thanks to everyone including the robot for some very useful answers! Ive decided to apply for a credit card. The main benefits I see for me are fraud protection and building a credit score. Im not sure how much Ill benefit from cashback but maybe it will be significant if I maximize the card usage on various necessary purchases. My bank has also offered to directly deduct the monthly bill from my account so that I wont forget to do it myself.  <response>: Points Points Points! Cash back! Imagine getting a 3-5 discount on stuff you would have bought anyway.Also fraud protection.Just dont carry a balance... 