<prompt> Human: I dont see why credit is needed for anything other than expensive purchases like a house, car, etc. Isnt using a credit card for everything just going to make it cost more? Why not just use debit?Assistant: To prove you can pay someone back should you need to borrow a lot of money. You could resort to paying everything in cash. But that gets tricky after a whileHuman: But I feel like it would look better if you can show that you dont have to rely on credit, thus showing you are financially stable.  <response>: Using a credit card doesnt mean that youre not financially stable. 