<prompt> Human: This happened right after I closed my bank accounts with Wells Fargo and left them for a credit union. Its the Wells Fargo College Credit Card at 7.9 APR the first 6 months, and 14.29 after, with no annual fee. Im 28 years old and have never had a credit card before. Part of me is thinking activate the card to start building my credit, but I dont know how to feel about Wells Fargo baiting me in to stay with them like this. I never told them I wanted to apply for the card. Advice please!  <response>: Yes, you should definitely have a credit card:- Make sure the credit card does not charge any fees.- Choose one that offers some kind of reward, cash back, or miles on purchases.- Credit card is like borrowing free money if you know how to use it and on top of that you get rewards on your purchases. You just have to make sure you pay the ENTIRE balance at the end of the month. Not many people in the US know how to use credit cards and thats how credit card companies make their money.Do not believe people that tell you that you have to carry a balance in your credit card in order to build up your credit score. 