frankly speaking i can think of no reason to ever get a credit card...it just adds to one's liability. the only thing that might be useful is when u're travelling and u dun have have enuff currency of that country then maybe its useful in that sense (if u say u wanna use it buy online stuff but theres also the debit card). but otherwise i think its juz a ego thing with regards to having one. whats wrong with paying using good old cash or nets? u pay with what u know u have.