I see a lot of comments saying “don’t get credit cards”. The advice of not using credit cards isn’t a bad one for some people. It’s not that credit cards are bad, it’s that young people that see it as money you can spend and only make the minimum payment is bad. If you can use credit cards and pay them off every month then they are great. That advice usually comes from someone who went down the wrong road and is just trying to save you the same problem. So if you’re able to pay your balance off each month credit cards are good. If you keep racking up the balance and can only pay a fraction of the balance of each month, they are bad. That $100 shirt could end up costing you a couple hundred if you have a shitty apr and never pay it off