<prompt> Human: If a person has a steady job, living within their means, and has a debit card, is there anything that they pretty much need a credit card for?Ive heard that credit cards are one of the better ways to boost your credit score, but I also have friends who got a credit card too young and are heavy in debt because of it. Edit: Wow thank you for all the responses! I wasnt expecting this many. It looks like theres a lot of good advice here, Im definitely going to do a lot more research into getting a credit card.  <response>: A credit card is like a chainsaw. They are very useful tools and offer significant benefits to owners that understand how to use them safely. Use them drunk or overextend their capacity and suddenly youre bleeding to death five miles from the nearest road and your phones 30 yards away in your truck. 