u/AdHealthy4699

I’m a 21 year old female with a well paying job for my age, I have only ever had a debit card but I had a loan on my first car years ago (with my mom as a co-signer) and I currently have a loan on my new car with only me on the loan so I have basically always had credit I believe my credit score is around 700-710. So I’ve personally never seen a need for a credit card although it would be nice to have more money before payday I just don’t see a need and I’ve heard so many stories of credit card debt and refuse to be in any kind of debt is it a good idea to get a credit card at my age. I live alone, have my own car that I pay for everything on, have multiple animals (not sure if that matters but it’s another expense)