Is credit necessary and how/where do you bank?
brk: In your case being that you don't want to overspend, this is more about convenience than credit, with the side benefit that you will build up a good credit score just by acting naturally.I put almost all my charges on my credit card.  From a $1.50 bottle of soda to a $100 tank of gas.  The bill of course gets paid in full every month.  Using the card means I don't have to carry a bunch of case, and I'm afforded some minor degree of security should my wallet get lost/stolen/misplaced as compared to cash.  I also get to "keep" my money an extra 30 days to earn a trivial amount of interest.It's good for you to be thinking about these things, but getting a credit card is not a life-altering decision, it's just a normal thing like getting a cell phone or a pair of shows.  How you use the card, and put it to work for YOU, it what makes all the difference.