as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
describe a situation in which someone should use a credit card.
user
a credit card should be used in situations where you need to make a purchase now but don't have the cash on hand or want to access rewards. for example, if you want to buy something online or in a store and don't want to pay cash, you should use a credit card. another common use case is for travel expenses, when it's better to start earning rewards for spending that you would have to do anyway.
assistant