Should I get a credit card to improve my credit score?

The way I see it, many stores (usually larger chains) factor in the credit merchant fees into the prices they charge. It could be a waste not using a credit card to purchase items purchasable on credit. And yes, it is necessary to build your credit score, though it does not really matter at this age when you do not expect to take sizable loan amounts. Simply put, you do not need to rush the process.

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However, and this is important, banks earn from credit card through late payments and instalment fees. If you find yourself poor in managing your finances, stick to debit.

Beneficial to enjoy the benefits if you are a person, wont miss to paying bills on time.

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Otherwise charges are high for late payment.