<prompt> Human: As the title says, I am wondering if I should get a credit card. Im 22 years old and at college for the next few years. My girlfriend thinks that I should start building up a good credit score now so in the future when I get a car, eventually buy a house, or possibly take out a student loan if needed, it will be easier to do. I have also talked to my parents about it, and they said they thought it wasnt a good idea and didnt explain in any more detail about why I shouldnt get one. At the moment, I am unemployed, but hopefully that will change within the next few weeks.What do you all think I should do?  <response>: Get it after you get a job. Your girlfriend has the right idea, but if you dont have a source of income, youd just be putting yourself in position to build up debt on it and that will hurt your credit instead of help it.What are you doing for money now? 