<prompt> Human: Im 28 and I recently applied for a credit card. Ive never had one before and I thought it would be a good idea to get one because now I have a son and anything can happen. I dont have much as it regards to savings although I do put away something each paycheck and we do have health insurance so if either of us were to get ill then I wouldnt be completely screwed. So Ive been living just fine with what Ive had. The person at the bank told me today it was approved and I should be getting it soon, but Im wondering if I wanna be in debt when Ive been ok for so long. Do I really need a credit card?  <response>: I think you need to look up some basic info on how credit cards work. You might have a misunderstanding of what they really entail based on your post.Youll hear a lot of stories how credit cards can lead to more debt. But you dont hear about the more often, yet less sexy story of Average Joe who pays off his credit card every month getting 1 back on all purchases while building his credit score to secure future loans at a lower interest rate saving him even more money to blow on hookers and, well, blow. 