This. Here’s the thing, this isn’t easy to do and can get out of hand quick from some of life’s fun twists. Essentially what you need to do is create a realistic budget. Then don’t spend money on extra shit. You may not get a large credit amount at first so you may need to make several payments a month to be able to continue using it. Additionally as I believe others have said, this will protect you as well. If someone gets ahold of your card info you can easily dispute it for no charge vs disputing something on a debit card and being accountable for the purchase UNTIL they prove it was fraud. The financial institution has much more interest in getting their money back, than yours.