In some cases, you may need a parent or guardian to help you get going by having them co-sign your credit application. The ability to shop and travel without carrying large amounts of cash. The utility from goods and services while spreading payments over an extended period of time. The record-keeping of consolidated bills to help you keep track of when and how you spend your money. In some cases, the flexibility to pay your balance over time.
Credit is a major responsibility and great tool to have.