If you do not have self-control and discipline, please do your self a favor! Do not ever subscribe to a credit "doom" card. You are better off on a cash-to-cash basis and stop reading this article because this is not for you.
However, if you are a cheap stake or "kuripot" and knows how to handle finances very well, you are missing a lot of benefits and privileges if you do not have a credit card yet.
Do you need a good loan but having a hard time to get approved in the bank? This is where your credit history comes in handy. Trust me on this, if you always use your credit card and you always pay on time, you will get flooded by phone calls from your bank and offer you a loan without any requirements or bank appearance. Our lovely banks will compete with each other to death just to get a customer with good credit standing. And once you get that loan, make sure to use it wisely as the good debt.
In times of emergency such as heavy medical expenses, etc - refrain from using your credit card if you do not have the capacity to pay it in full on your due date. If you use your credit card as the answer - it will be a disaster. Come on! Do not use your credit card as your health card if you can't pay it straight up. Instead, as early as now, why won't you start investing in health insurance?
Social Emergencies as birthdays, weddings, occasions, travels or even 50% sale on shopping malls are just a social emergency - avoid it if you can't afford it. Remember this quote from one of the world's greatest investor before swiping your credit card.
“If you have to ask how much it costs, you can’t afford it.”