Owning a credit card will provide you with a few benefits, including convenience, better security, and a chance to improve your credit history. You won’t have to carry a lot of cash with you, so you won’t have to worry about losing it. Credit cards also come with a zero liability fraud protection, so even if you lose money on it, you won’t have to pay a cent. Lastly, if you pay your bills on time, your credit scores will improve.