Unless you anticipate any um.. unanticipated financial needs (sorry, but that's the only way I can think to say it), you're probably better off without a credit card for now. It's just an invitation to overspend and stretch yourself thin.
It's good for if you need to buy tires for your car in an emergency or something, but... Look honestly. If you had a card in your hot little hands right now, can you really say you'd be responsible with it? I can't always say that--which is why it's a good thing I've got a wife around.
