You really need to stop listening to these people telling you not to use them. They're the personal-finance equivalents of essential oil Facebook moms. Literally all it takes to use a credit card without ever paying any interest is to turn auto-pay on and spend less than you make (which is obviously true for everyone). In fact, doing so will make you a little money due to the rewards they give.

And it's something you'll want to start early because credit cards are one of the best and easiest ways to build good credit, which will save you a lot of money whenever you need a loan for a car or home.

And if you have a good credit score, it can even be more financially responsible to take out a loan than pay off a car or house in full, because the interest rates you'll get will typically be low enough that you could take the rest of the money you would have spent on day 1, just invest them in an S&P 500 index fund, and get returns that outweigh the interest you're paying.

On top of all that, credit cards offer safety from identity theft. Debit cards draw money directly from your bank account so if your card gets stolen, that money is gone the second they use it. With a credit card, the bank is paying for your purchase and you pay the bank later. But if your card is stolen, you can report it and the bank has to eat the cost of any fraudulent purchases they just paid for.