<prompt> Human: I got my first credit card and I am excited. I have heard people talk about credit cards saying things like credit cards are made by the devil keeping you under the debt through out your life time. Is having a credit card that bad? If not is their a smarter way to use it to the holders benefit rather than fueling the credit card company?  <response>: Pay the statement balance in full by the due date. Do that, every month and youll never be in debt to the CC company.Also, read the Credit link in the sidebar. 