<prompt> Human: I am 25 and have never had a credit card. I recently got rejected on an application to finance a cell phone, of all things, and this got me reconsidering my apprehension of getting a credit card. It isnt only that I dont want a card, I just havent ever needed one. I like to think of myself as very financially responsible. I overpay on my loans and my car payment, bills, etc. are always on time.So those of you who have never had, or stopped using credit cards, has this been a good experience in the long-run? What hurtles have you had to overcome if you had a credit card instead?Just as an aside, my application was rejected not due to my score, which is categorized as Good, but my credit history being too short. Im a credit baby apparently. Edit: Thanks for all the information and advice. From what I can tell, those of us who arent fans of credit cards are just taking the unnecessary hard-road. I am at peace with that I think, but money is volatile and times change. Ten years from now it wouldnt surprise me if I had a few cards floating in my wallet.Assistant: Start ASAP unless you plan to buy everything in cash. It is usually hard to buy a house without getting financed but it is possible. Pros of a CC:- Fraud protection - Earn Points- Easier than holding cashI honestly think people are scared of being responsible. You drive a car and can kill someone with a 2 ton vehicle like its no big deal. So you should be able to understand that the laws of a CC are and just pay it at the end of the month. If you treat it like your debit card you will be fine. Human: It isnt that I am scared I just prefer to live within my means. I know I could be responsible with a CC, I just hate the idea that I have to have one for the sake of my credit score. Seems a little ridiculous for those who are financially responsible to have CC in order to get financing. Just because you arent able to track every expense I have ever made doesnt necessarily mean I am bad with my money. Is it just me who thinks this way?Assistant: You can still own a credit card and live within your means. Its not either or. IMO people who DONT use credit cards are wasting free money they could be getting in the form of cashback rewards. I put all of my regular spending each month onto my credit card, then pay the balance in full every month from my checking. I live within my means and wouldnt say I spend a lot. To date, Ive earned about 500 in cash back that, otherwise, I would not have gotten if I paid for things in cash or by debit. Human: Cash back is the only advantage I see with cards. I do understand that you can responsibly use credit cards and still live within your means. I just dont think I should have to do so. Maybe I am just stubborn.  <response>: Cash back is the only advantage I see with cards.Its a pretty big advantage, though. Why not get a 1.5 discount on everything you buy? I see where youre coming from, but as long as you dont change your spending habits just because you have a credit card and you pay in full every month, its really no different from using cash except you get rewards. 