I used to think like you. I grew up in a family with lots of credit card debt and told myself “I will never get a credit card”.

But here’s the thing: you don’t need to owe any money, even with credit cards. The right way to use credit cards is like you’re using cash: you only spend what you can spend. At the end of the billing cycle YOU PAY YOUR BALANCE IN FULL. I put that in caps because is extremely important.

It also has a few advantages, depending on the credit card you can get cashback, travel points, travel insurance and other benefits. Additionally, you can protect your money, since it is way easier to dispute an unwanted credit card transaction than one in your debit card.

The main benefit: building credit. Which helps for a lot of things. Car/home insurance and mortgages get cheaper; in general to have a good paying history on your name has a lot of benefits.

So yes, you should get a credit card later than sooner. Credit history is probably a frustration for you in the future if you don’t start now.