Credit sounds better then it is. When you get a credit card and use it you in up paying more then you would of if you would of used cash. you shouldn't charge more then 20% of your monthley income because if you do you might not be able to pay them back and your credit will get messed up. the worst reason to get one is because everyone else has one. only get it if you really need one and you know you can pay for it. don't get another card if you can't pay off the first one thats the quickest way t get deep in dept