<prompt> Human: Excuse me for my lack of understanding or terminology, ive never had too much experience in this field, and just recently turned 18.As of now, ive only opened a checking account with a debit card, because i feel that i should only be spending money that i have physically earned, and have under my name. Now, from my understanding, a credit card is almost the opposite: its money i dont have that im still spending. Ive been told its good to start one, buy small things and pay it back, so on my record, it goes ive payed on time. But just how important would this be down the line? Should I start sooner than later, or just avoid it?thank you for all the help  <response>: Credit cards are not necessary, but credit history and scores are. Credit Cards are the easiest way to build up a credit score. 