<prompt> Human: Graduated from University in May and Im currently working and living in NYC. My finances are decent and Im very lucky to have graduated without any debt thanks to my parents. When I moved to NYC and when I was looking for an apartment, the broker looked at me like I had 3 heads when I said Ive never had a credit card. In all honesty, I dont see a point to credit cards. I dont spend money I dont have. I understand the point of building credit for the future, but is it really necessary for me to have right now? Im more worried about saving money for attending medical school in the future and paying off loans.  <response>: I dont spend money I dont have. That makes you exactly the kind of person who should get a credit card. You can get all the benefits with none of the costs. 