<prompt> Human: I really need to establish some credit but I just dont know if getting a credit card is a good idea... Any advice on what else I could do, or tips on how to manage credit card usage if I do have to end up getting one?  <response>: but I just dont know if getting a credit card is a good idea...Why? Any advice on what else I could doFind a 0 APR loan for something you were going to buy anyway in cash on something that isnt a credit card difficult to impossible to find.or tips on how to manage credit card usage if I do have to end up getting one?Pay your balance in full each and every month. 