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Originally Posted by Xazy
You need a credit card so you have a credit history; my recommendation is to just pay it off every month. It may not be important at 20, but it will be later on, if you want to finance a car, get a mortgage etc…
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Yes, but you can build credit without using a credit card. I built credit by paying my bills (utilities) on time. So no, you don't need a credit card. I've never had one and I never will.