<prompt> Human: I have never had a credit card and dont really see why I should get one. Two of my best friends use credit cards all the time and keep talking about it like it could be detrimental to my future that I dont have one.Theyre biggest thing is that I need to build credit. I have student loans though, and since Ive never missed a payment, I have perfect credit. I check my credit scores on the IRS free endorsed site and banks have offered me cards with a 1500 limit, so I know my credit is in good shape.They also say I should do it for the reward points and cash back. Now I understand that if I get 1 back on every purchase it will eventually add up to substantial savings. It just doesnt seem worth it to spend via debt acquisition in order to save a little cash.Their response to my apprehension to acquire debt is that they set it up to withdraw from their bank account automatically, so it gets paid off every month without interest just like a debit card. But you have the money, why not use your debit card? It just seems like unnecessary risk to me.I dont currently have any income so I am not going to rush to open an account. However, Im in the process of negotiating a salary at my first job after college so I will have income soon and Im considering opening one when I do. Im mostly considering it because theyve been badgering me for so long, but I do kind of like the idea of having access to the Amex concierge.So tell me, is something going totally over my head, or is it just a matter of personal preference?  <response>: Credit cards offer a level of protection that debit cards dont - if theres an unauthorised charge, the dispute process on a credit card is much less of a headache AND the money isnt just gone from your checking account for X days 30-60 in some cases, ouch.Plus, if you have a rewards card, as you mentioned they pay you to use it so long as you pay in full each month.ETA: I wouldnt really consider it debt acquisition if you pay in full every month. 