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Build credit while you're young but be responsible about it. This means using your credit card on a limited basis but enough to pay it off on a monthly basis. If you do not build credit when you're young you'll have a hell of a time establishing credit later on in life when you want that new sports car or house.
Signature loans, for college and graduate school, can be utilized to pay off higher interest credit debt. I'm not endorsing this but it's helpful especially when interest rates are locked as low as 1.9%. Compare that to your regular credit card rate going anywhere from 11 to 18%.
Holla,
me
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