<prompt> Human: I am currently 20 and in college with no debt whatsoever. I personally hate the idea of being in debt to others, although I am aware that I will more than likely in the future I will owe money on things such as my house, cars, ect. I have more than enough money in may bank account to always make the payments on the card, but I still hate the idea of spending money that isnt actually mine just for the sake of building credit. What is the correct thing for me to do in this situation?  <response>: You might find The New Credit File Start-Up Kit to be useful.The summary of credit cards is: use a credit card for normally budgeted expenses, and pay off the entire statement balance on time, every month. You will pay no interest and will slowly start to build credit. 