<prompt> Human: So things about to get real this year of my life. 6 mounths from now Ill be 18 and my dad was offering me to open a bank account, start up a credit card and stuff. I am surfing this subreddit from time to time and Im afraid of going under a big debt or not being able to become financially stable. What should I do in this situation? TL;DR Should I open a bank account and get a credit card? Assistant: DO NOT TOUCH CREDIT CARDS read this guy hes Australian but great advice and the answer to financial freedom Human: Thanks, will check it out surely.Assistant: Anyone that says not to touch credit cards is giving you bad advice. Building up a good credit history and getting cash back or points while doing so is a smart long-term play, assuming you only spend money that you currently have in your checking account, and you dont have a history of overspending. Be smart with credit, read the sidebar links about credit, but ignore anyone that says that all credit cards are the devil.Human: Of course you can not blame the tool for the kill but I wanted to see some counter ideas and check them out too.  <response>: The barefoot investors credit card advice is for Australia, credit doesnt get built in the same way in Australia so its not even comparable.Theres good counter ideas to be found, not from him though. 