<prompt> Human: Hi Personal Finance, Im making a decision and Id love to receive some advice. Im a junior in college who is going to move out next year with my fresh degree. My credit score is 673. I will have something like 80k in student loans.My question to you is, is it worth it to have a credit card aka should I get one, and if so why? I have been looking this up for a while and all the answers are so conflicting that I have put it on the backburner for a year, but I feel like I should make a decision now. Right now I pay for everything with a debit card and I only ever have a hundred or so on the card and no overdraw, on purpose. As far as I can tell, the only reason to have a credit card is if you cant pay for something in cash.Also, does anyone have any credit card companycredit card recommendations?Edit: Reading the links from the bot now too, but Id like to hear your opinions if anyone has any.Assistant: The consumer protections on a credit card are much stronger than on a debit card. the only reason to have a credit card is if you cant pay for something in cash.This is actually a very poor reason to put something on a credit card. Not to say people dont do this, but its not why you use a credit card responsibly.Human: So its like adding an extra layer of protection between yourself and a would-be thief? That may be nice.  <response>: Think of it this way. Debit card debt gets used fraudulently, call bank, may I please have my money back? okay wait a few weeks while we investigate. Credit card gets used fraudulently, call bank, Im not paying this its not my charge. okay wait a few weeks while we investigate I know which Id prefer. 