<prompt> Human: I see a lot of posts about adding someone usually a minor child to a credit card to help their credit. Is this really all that helpful? Im 33, have great credit, and have never had a credit card. I get that a lot of the boost is from length of time having the credit. But not to sound crotchety I did fine without ever needing a credit card. Is it really that different now?  <response>: In addition to helping your credit score, using a credit card instead of a debit card usually gives more consumer and fraud protections. They also regularly have bonuses that range from 1-10 savings. As long as youre responsible, not using them is saying no to free money. 