<prompt> Human: I understand how to stay on top of my credit and keep it going and such. Is it okay to apply for things now like getting a Best Buy Card to get a laptop or like Dell Financial to get a laptop if Best buy doesnt work out or maybe getting a new phone or should I wait till I build my credit higher. Im just confused on what I do now that I have a credit score am I able to apply for another card or maybe do some financing now as long a I stay on top of things ? Im currently in college and I would like to have a good credit score by the time I get out college so I can get me a nice car and house and such so Im trying to build my credit fast plus Ive had so many things I havent been able to do because Ive been limited behind having no credit. Any advice is helpful.Assistant: Ive had so many things I havent been able to do because Ive been limited behind having no credit.Can you expand on what all of these things are? Im currently in college and I would like to have a good credit score by the time I get out college How long is that?Human: Things like being able to get the laptop I actually wanted because I had to settle for something outdated and Ive been wanting to get one for school because Im programming and gaming and Ive been able to afford a finance plan but having no credit I couldnt get it. Things like getting a high end phone and not a budget one like Ive been getting. Ill be out of college by 2022 or so I hope to be.  <response>: Things like being able to get the laptop I actually wanted Ive been wanting to get one Things like getting a high end phoneHonestly, I think getting credit may be a terrible idea for you.Credit should never be used to finance luxuries. Ever.A high end phone is a luxury. A high end laptop is a luxury. I am sure there are plenty of other things you are thinking about that you would suddenly be able to afford if you got credit. You are deceiving yourself.This is how people find themselves buried in debt. This is how people dont know how it got this bad. Credit is a tool. As with any tool, it can be used wisely and make you prosperous or it can be used foolishly and harm you. Your wants for credit are the latter.You can afford luxuries when you can buy them in cash. You can still use your credit card at that point, but you have to literally have the cash to be able to pay off the bill in full which you then do. Dont let your seemingly 18 year old self severely harm your 22 year old graduate self. Stay away from debt until you can prove to yourself that you have the self discipline to save up for what you want. 