<prompt> Human: So Im finishing up college this spring and have been thinking about getting a credit card for some time now to build up good credit. I brought it up to my father and he was _very_ opposed to it, citing some financial talk show host talking about the ways in which using credit cards can actually be a bad thing aside from the obvious of not paying back the money you spend. I kinda brushed off his arguments and dont really recall them since he has always had really radical views on some things. From what I understand, it would be beneficial to use a credit card regularly over a debit card when I have the funds to do so I have a full time job that pays well, just so that I can gradually build up good credit for when I want to buy a car or a home in the future. However, as I look back to this conversation I begin to wonder if I was just naive about the risks behind using credit cards. I know its not free money and that I really shouldnt use it unless I can pay it back immediately. Are there any significant downsides to credit cards that Im not seeing? My father made it seem like I should just stick to using a debit card exclusively, but I think that would do more harm than good since I wont be building credit. I appreciate any advice or comments that can help me get some clarity on this topic. Thanks!  <response>: If you pay in full monthly than indeed you do get free money for the month with no borrowing costs. 