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I'm still holding out on getting a credit card. I can see myself eventually getting one as a way to help build credit, though my plan is to pay everything off at the end of each month. However, I know those plans don't always work, as evidenced by the fact that I have had trouble remembering to pay my monthly student loan payments. I've always had the money, but through some trouble getting the mail sent here to my college address (despite filling out the change of address part every single damn time I send in a payment) and my forgetful nature, I've gone past due a few times. One time it was bad enough that they sent a letter threatening to report me to a credit agency since they couldn't get in contact with me about the overdue charges. Again, would've been easier to get in touch with me if they sent stuff to the updated address or called the updated phone number, but I digress.
The point is, I've already shown myself how hard it can be to follow plans of making regular payments, so the idea of a credit card scares the bejesus out of me. If I was to get one, I think for the first half year or so I would only allow myself to use it for gas so I couldn't run up charges on it, and try my damnedest to get it paid at the end of each month. Besides, I've still got another year and a half of undergraduate college loans to help with my 'get in debt' itch.
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...And then I found $5!
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