 TITLE: Do You Really Need a Credit Card? CONTENT: Should You Get a Credit Card?\n-----------------------------\nIf you're not sure where your credit stands, get a free copy of your credit report and credit score. Once you have a credit card, use it for small purchases and pay it off on time each month to help your credit score improve. Then consider using free credit monitoring to keep an eye on the results of your credit-building efforts.\nA good credit score can help you qualify for low interest rates and favorable terms on auto loans, personal loans, mortgages and more. Good credit can also make it easier to buy insurance or rent an apartment. Clearly, helping you build credit is just one way having a credit card can make life a little easier. END